Contents insurance that customers love and trust
If you rent your home, you know there are few things more important than contents insurance. Losing your possessions to a break-in, burst pipe or fire is heartbreaking.
Don't just take our word for it. 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.
Knowledgeable and helpful staff, great efficient website... I appreciate the coverage options and the ease of changing policy coverages as the situation changes. Square One is a company designed for the way people do business today.
Every time I’ve needed to change my policy they do it so quickly for me and so easily. They set it up online and I just review it! Also, I had a claim one time and they were so nice and helpful and paid out the claim ASAP! Recommend these guys to friends always.
If I had known getting tenant's insurance could be so straightforward, affordable, and quick, I would have switched from my old insurer months ago. The specialist I spoke with, David Horgan, was super friendly and nice to talk to. He also was very knowledgable and patiently answered all my questions, and helped my girlfriend and I find the best policy for our needs. He was never pushy and never tried to up-sell me on anything. Overall a great experience and a better insurance policy than my old one for 2/3 of the cost. Thanks Dave, and thanks Square One!
I obtained a quote online from Square One and found the process very easy. The premiums quoted were about 50% lower than what I was paying with my previous insurance company. Getting the new plan setup was a breeze. Loved saving money and going through a hassle-free experience.
We just renewed our insurance in less than 10 minutes! Square One makes it easy to understand what's in the policy we choose, how it affects the monthly premium, and what the exclusions are. Their materials are clear, easy to click through and select, and changes we made from last year's policy to this year's are clearly summarized. Love it! Highly recommend using!
Swati is amazing! We've been experiencing drastic hikes to our home policy over the last few years (with no claims) which is why I reached out to Square One. Swati not only made the process of getting a quote simple, but she was able to offer us better coverage for less than half of what our current policy wants us to renew at. She made the entire process a breeze which is not what one would expect when looking for a new home insurance policy. I wish I would have found out about Square One years ago. Thank you!
The whole process was so easy and straightforward. I was treated like a valued customer, not a potential liability. And their commitment to not using jargon is real! I feel 100% confident in my understanding of my policy: what is covered, what is not, how and when to make a claim (knock on wood I don’t have to). AND it's almost half the cost of my previous insurance policy. Would and will recommend to all my loved ones!
Nothing but the best experiences with Square One. Knowledgeable Staff, so kind and courteous to deal with. Great products, simple user interface. I look forward to using them for our entire real estate portfolio. Great job, way to change the landscape of the industry, keep up the amazing work.
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.
Six reasons why you'll love Square One
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.
All policies from Square One represent the highest level of protection currently available in Canada. We make it easy for you to protect your home against common perils (such as water damage and theft) and we even cover the costs of rebuilding your home to meet the latest bylaw or code changes.
Guaranteed building replacement coverage
Get the peace of mind you deserve. Simply insure your home to Square One’s suggested limit and, if you experience a loss, we’ll rebuild your home, even if the cost of doing so exceeds your limit of insurance.
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 contents insurance from us, the experience is straightforward from quote to claim. View the sections below to learn 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.
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.
Personal and premises liability: Protects against amounts you are legally responsible to pay because you unintentionally injure someone or damage their property. Also protects against amounts you are legally responsible to pay for unintentional injury to someone or damage to their property arising from the ownership or use of your home.
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.
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 wordings
Making 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: