Overland flood risk, aging plumbing and prior water damage claims are the factors a Saskatchewan insurer actually underwrites on, and a house with a claims history can come back with a higher premium or, occasionally, a decline, which a buyer needs to know before removing conditions.
A real quote, not a general estimate, is what your financing condition period is for. Most lenders want proof of insurance in place before funding, so waiting until after conditions are removed to find out a house is hard to insure is the mistake to avoid.
Confirming insurability with an actual quote belongs in the same window as the home inspection, not after. Get your hand-reviewed valuation from Joel Dyck.