Get a personalized condo insurance quote for about $40/month
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Condo insurance that customers love and trust
Most policies protect your personal property and your liability. But only Square One’s Condo Owner’s Protection safeguards against shortfalls in your condo corporation’s insurance, and protects upgrades made to your unit. And that’s just the start. Keep reading to learn more.
Protect your condo with Canada’s only customizable condo insurance policy. Personalize your limits, coverages and deductibles. With Square One, you choose what to insure and how much to insure it for.
Wondering what people are saying about us? Here are some of the reviews that contribute to our average rating of 4.7 stars out of 5. Want to read more? Visit our reviews page.
I love that it tailors the policy to your needs. I was able to easily answer questions online to ensure adequate coverage for items like our expensive bicycles and opt for less coverage for things we don’t have like expensive art or jewellery. The best quote I’ve gotten so far, while still ensuring adequate coverage. I signed up. Well done Square One! I’ll be sure to share the good word with my cycling community!
I called Square One because my current insurance provider wanted to charge me $323 a month for insurance on my rental home. It was easy to get started, I had someone I could talk to and everything worked well. I also got a much cheaper policy to cover everything I needed, and I don't think I skimped on any details I might need. Very satisfied.
Forms and four-step process were super smooth! Questions were easy to understand and answer. This is really great compared to other insurance options out there! Your website is super, super friendly and gave me a great guided experience! Good job, guys!
I was terrified in having to find insurance for a condo with a $250k strata deductible as I didn't even know what a strata deductible is... plus we want to rent out this condo short term, (and insurance companies don't cover that), all this was making my head spin. Then I got Birgitta on the phone—calm, smiling, and patient she explained everything and took me through the process. I can not express my gratitude as I was really dreading this task I had. Thank you Square One for being able to cover a complicated case. And Birgitta for helping me understand all without making me feel lost .
Just like they say in their advertising, it takes only 5 minutes to get a quote and buy a policy. The forms are easy to understand and complete. The questions are short and pertinent and you can reduce or opt out of some coverages if they are not applicable to your situation. When I phoned the office for some clarification my call was answered right away by Josh, who was very professional and helpful. I like the fact that the office is here in Vancouver and not back
I was drawn to this insurance provider after reading the great reviews. I am happy to report that while speaking with Sandra, I let her know that's what drew me in and I said that those reviews are true. I was in need of a policy and after Sandra gave me a quote, she mentioned that she didn't know if I had gotten any other quotes from different companies or if I wanted to shop around. I hadn't and didn't feel the need to look anywhere else. This was the first company
I had the absolute pleasure and good fortune to speak directly with Darragh on the phone. He is absolutely patient, professional, and highly knowledgeable with the products Square One offers. I did not have any previous home insurance and Darragh helped me to compile a proposed policy catered to my home insurance needs. I am more than pleased with the quotes he came through with and I am confidently stating that I will be joining Square One Insurance as a new member. Thank you again, Darragh!
I never thought that I will give a review to an insurance provider, let alone an excellent one. I dealt with Diane Parras, and what excellent customer service I got from her. She's very helpful, very patient with me, very understanding of my situation, she explained to me everything that I need to know, and she advised me of the pros and cons of every coverage. It was something that I have never experienced before with an insurance provider. Thank you very much Dianne, and thank you Square One. Your website is awesome, very friendly and so easy to use.
I recently had the pleasure of obtaining a home insurance quote through Square One Insurance and they were hands down the best and most cost-effective option. I specifically worked with Anjali Tayal who was prompt and responsive, kind and knowledgeable and secured us the best rate over several other insurance companies. Anjali and the Square One team helped us quickly and made us feel confident in our choice of home and thrilled with our insurance policy. Five stars!
Bill called me to complete my quote and was extremely helpful and patient. I wasn't sure what kind of coverage I would need for my vintage musical instruments and we decided on fine arts and collectibles. Bill called me back after we had completed the quote and said he had discussed it with his supervisor and agreed that it could be included under personal property. I appreciated the attention to detail he showed and the fact that once he hung up our first call he was still thinking about how to best help me and personalize my service.
Six reasons why you'll love Square One
4.7 out of 5. That’s how customers rate Square One Insurance Services after writing 15,239 reviews. And with an A+ rating from the Better Business Bureau, people clearly love the way we’re changing condo insurance.
Digital platform
With Square One, you can get a quote, buy a policy and even submit a claim – all online, from the comfort of your own home. Quotes and policies are managed through your online account, but if you need help, expert assistance from one of our licensed insurance agents is just a webchat or phone call away.
Superior protection
All policies from Square One are comprehensive – this is the highest level of protection currently available in Canada. We make it easy for you to protect your things from common perils (such as water damage and theft). And, with Condo Owner’s Protection, you get complete peace of mind; we cover everything that your condo corporation doesn’t.
Upfront and personal
Condo Owner’s Protection includes unlimited access to a 24/7 legal advice helpline for condo-related issues, like what to do if you have a noisy neighbour. We also provide a free expert appraisal of your condo corporation’s insurance policy. So, you know exactly what risks you’re exposed to.
Personalized coverage
All policies protect most common personal property items including laptops, smartphones and furniture. If you own specialty property (such as bicycles or fine arts) you can also add coverage to your policy. That way, you only pay to insure what you actually own.
Need to make a claim?
Making a claim with Square One is easy. In fact, most of the process can be done online. You’ll get your own dedicated adjuster to work with you from start to finish to make sure you’re back on your feet in no time. And, Square One pays out on 90% of all claims submitted in Canada.
Interest-free monthly payments
We’re confident you’ll love our service and stay with us. That’s why we don’t lock you into a contract. With us, you can pay monthly or annually and there’s no fixed-term contract. You can also change your payment preferences through your online account.
ready for an online quote? Policies start at $12/month if you rent your home and $40/month if you own your home. To see how much you can save with Square One, get a personalized online quote now.
Learn how you’re protected
with Square One
When you buy condo insurance from us, the experience is straightforward from quote to claim. Learn more below about the coverages, deductibles, protection and claim service offered by Square One. You can also download sample policy wordings.
Personal property and specialty coverages. Traditional providers don't give you much control when it comes to insuring the contents of your home. They include pre-packaged protection that is based on your house's rebuild cost. And, they automatically include protection for specialty property whether you own it or not.
At Square One, you decide what specialty property you insure and for how much. You also decide how much protection you need for your most common personal property, which includes appliances, electronics, furniture, and clothing.
Bicycles, sporting equipment and watercraft: This optional coverage protects any personal and portable equipment used for athletic or recreational activities. This includes cycling, equestrian, fishing, golf, hang-gliding, hockey, hunting, paragliding, shooting, skating, skiing, snowboarding, surfing and windsurfing. It also protects commercially manufactured boats, canoes and kayaks. Any watercraft must be no more than 20 feet in length and, if motorized, must have no more than 100 horsepower in total. And, it protects related property like accessories, equipment and trailers.
Business property: This optional coverage protects any property that you use as part of your trade, profession or occupation. If used for both business and personal purposes, it must be insured as business property. Note that this coverage does not protect business operations/exposures in any other way.
Fine arts and collectibles: This optional coverage protects visual art, including paintings, sculptures, drawings, limited edition prints, and other pieces that cannot be easily replaced, like hand-woven or hand-knotted rugs or carpets made in Asia. It also protects any items collected as a hobby, for display, or as an investment, whose value may appreciate, including sports card collections, first edition books, and coin collections. And, it protects any porcelain ware, plates, cups, saucers that are used on special occasions; eating and serving utensils made of silver that are also used on special occasions; and figurines made of porcelain or ceramic material.
Jewellery and watches: This optional coverage protects objects designed for the adornment of the body, including necklaces, bracelets, rings, earrings, watches and precious stones.
Condo coverages. With Square One, you get the best condo insurance in Canada. You know that saying, “You get what you pay for?” It’s true. Our policy may cost a little more, but it’s there when you need it. Our optional Condo Owners Protection coverage includes:
Blanket coverage for all condo damage: You select a single limit that covers damage to your unit and its improvements as well as insurance assessments from your condo corporation.
Expert review of your needs: Send us your condo corporation's commercial insurance policy and we’ll determine what you need to be properly protected.
Legal advice helpline: Have an issue with a building bylaw or a noisy neighbour? Our policy includes unlimited access to a legal advice helpline for any condo-related issue.
Other coverages. There are a few other coverages that are essential to any insurance policy, including liability protection.
Additional living expenses: This mandatory coverage protects against increases in living expenses you incur because your home can't be lived in. This could be a result of damage to your home from an insured loss or an order to evacuate your home as a result of a sudden and accidental event.
Identity theft and financial loss: Protects against financial losses resulting from the theft of your identity. Also protects against expenses incurred to fix your personal credit rating after your identity has been stolen.
Policy deductibles. A policy deductible is the amount you must pay before your home insurance policy will respond. For example, if your $2,500 laptop is stolen and the claim is subject to a $1,000 deductible, you pay $1,000 and your policy will cover the remaining $1,500. The higher the deductible you select, the lower the premium you pay on your insurance.
Below are the various deductibles that may apply. It's important to note that only one deductible applies per claim even if payments are made under multiple policy coverages. The type of loss will determine the deductible that applies.
Earthquake: This deductible applies to each insured loss resulting from an earthquake. While earthquakes don't happen often, they cause significant damage when they do. As such, earthquake deductibles tend to be higher than those for other types of loss. Depending on where you live, you may be presented with a couple options.
Inland flood: This deductible applies to each insured loss resulting from an inland flood. If this deductible applies, you may be presented with a couple options. Please note that not all areas are eligible for inland flood protection.
Comprehensive protection. At Square One, you get a comprehensive (all-risk) policy. That means you're protected against all types of loss, except for those listed in the exclusions. Commonly covered losses include break-ins, burst pipes, hailstorms, fires, and more. Commonly excluded losses include coastal floods, repeated leakage, and wear and tear.
For complete details on what is and isn’t covered, please refer to your policy wordings or download our sample wordings.
Download sample policy wordingsMaking a claim. You buy insurance for peace-of-mind, so if you do need to make a claim we believe it should be simple and stress-free. That's why all Square One customers are protected by our commitment to handling claims fairly:
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Find out how affordable personalized condo insurance can be in 5 minutes with an online quote. Or call us at 1.855.331.6933 to speak to a licensed agent.