Get a contents insurance quote for as little as $12/month
Your time matters, and so does your stuff. Get a personalized contents insurance quote in 5 minutes. That's less time than it takes to wait in line for coffee.
Contents insurance that students love and trust
Are you a college or university student who is looking for contents insurance? Whether you live on campus in residence, or rent a home nearby, you’ve come to the right place. At Square One Insurance Services, you can get contents (and liability) insurance for as little as $12/month. Plus, you won’t be locked into a one-year contract. Continue reading to learn why Square One is right for you.
With policies starting at just $12/month, it’s easy and affordable to make sure you can replace the things you love. What’s more, contents insurance also protects you against lawsuits for any accidental injury to others or accidental damage to your landlord’s property.
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.
Had 7 minutes to get this done while riding the SkyTrain home and got it completed as I rolled into my stop. Kudos!
I called to transition my policy to another type. I was worried it would be complex and time-consuming. Instead, it was easy peasy, smooth, and everything was reviewed with me and all my questions answered. I'm always so impressed by Square One!
I asked quotes from a variety of providers, and after going through reviews and coverages, I'm glad I chose Square One. Whereas other companies automatically add coverage for things you might not need (jewellery, sporting equipment, etc.), Square One allows you to decide what you want covered and just how much you want the coverage and deductible to be. I'm feeling extremely comfortable moving into my new place with this policy... although I sure hope I never need to use it!
This is my first insurance policy purchase and it was super easy! I felt like everything was explained clearly and I understand my policy completely. And best of all, it took less than 10 minutes on my laptop to do!
Such a painless process. Transparent and easy to follow along. I love picking and choosing the coverages that I want and seeing my payments adjust accordingly, instead of an agent telling me what insurance coverages I have and what I will be paying. I highly recommend Square One. My rate actually dropped from what I paid last year! Amazing.
After struggling with several brokers and insurance providers over the phone to get a reasonably-priced quote, I decided to give this one a try. Quick, easy, and very reasonable prices. No phone, just a simple form filled out online and a standard online payment. Proof of insurance ready immediately. All insurance should be this simple.
I love how you can customize your coverage! We didn't need some of the insanely high coverage that other insurance companies provide solely based on the home value. This allowed us to reduce our annual insurance costs by $350 and we now have the coverage we actually desire!
Needed tenant insurance for my new place by the end of the day, and really couldn't afford to take on another bill. My car insurance company quoted me $40, Square One did it for $14 and emailed proof of insurance to my landlord in a matter of minutes. Couldn't have been better or easier.
I spent all morning contacting agencies and insurance providers to get a reasonable tenant's insurance quote. I was getting egregious quotes. I stumbled upon Square One and filed an application for a quote. I was stunned so I called to ensure I could actually get the price I was quoted for. Though I was put on hold, the wait time was very short and I was periodically updated on my position in line. I spoke with David Horgan and he was super helpful! He answered all my questions and worked with me patiently!
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.
Six reasons why you'll love Square One
4.7 out of 5. That’s how customers rate Square One Insurance Services after writing 21,634 reviews. And with an A+ rating from the Better Business Bureau, people clearly love the way we’re changing contents 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 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.
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 contents insurance as a student 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.
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.
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:
Recently purchased policies
Find out how affordable personalized home insurance can be in 5 minutes with an online quote. Or call us at 1.855.331.6933 to speak to a licensed agent.