Your time matters, and so does your stuff. Get a personalized home construction insurance quote in 5 minutes. That's less time than it takes to wait in line for coffee.
Typically, it’s more challenging to insure homes under construction. That’s not the case at Square One Insurance Services. We make it easy for you to properly insure your soon-to-be new home. In fact, your house construction insurance policy with Square One includes guaranteed building replacement cost coverage and comprehensive protection. And best of all, our policies are about $75/month. Continue reading to learn why Square One is right for you.
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.
Bought a boat on Sunday night and now you need to add watercraft coverage? Square One has instant policy changes. Based on the ease of service, there's simply no insurance provider I'd recommend over Square One.
I now insure both of my properties with Square One and all of my experiences with them have been great. Their online systems are super easy to use, but then when I have needed to call in with questions or to get help all of their employees are super friendly and very knowledgable and helpful. Definitely will be recommending to friends!
Many thanks to Marilen for helping my mom with home insurance. I really appreciate Marilen's patience and professionalism. In fact, I have no hesitation to send my friends and family to Square One Insurance since I’ve been a policyholder for seven years. I'm truly grateful that they’ve always been there for me—from expertly handling my claim at my Burnaby home to helping me insure a rental/vacation property in the Okanagan. I also love that I have online access to my policies at any time. So easy and convenient! Thank you, Square One!
I am so impressed with my insurance and with the people at Square One. Lily is the most thorough and nicest insurance person I have had the pleasure of dealing with. On top of the fabulous service, Square One saved me over $1200 per year compared to my previous insurance company, with whom I was an upstanding and long-time client. I never thought I would receive the value I received in combination with the great service! Thank you so much, Lily and Square One!
Everything one-click and go, super easy and convenient service! I don’t understand much about insurance, but Square One explains everything online in simple words and that make it easy to understand my policy! Excellent, highly recommended.
This is how an online form should work! Bravo to you folks at Square One! This is some top-shelf 21st century stuff right here. Every single business should take note on how you are making this work. In fact I suggest you sell your platform to other companies so regular working people can process the digital age of technology invading everyday life without getting angry and frustrated and quitting, or wishing we could speak to a real person. This was honestly so easy I want to do it again. Thank you.
Square One makes getting home insurance as easy as can be. The website is super-easy to use and pleasant. Most importantly, it guides you to make the coverage selections you want, with clear explanations, immediately showing you changes to the cost. Would definitely recommend!
We were looking to change insurance companies and decided to do a web search, and came across Square One. We were very reluctant at first because they only offer phone and online services. We spoke to a young lady who was very helpful but we still had issues and questions. A few days later we decided to call again with some of our concerns and spoke to their again amazing representative Adnan.... he went above and beyond to answer our questions and concerns, not to
Alan provided me with the best customer service I could have imagined. It was my first time purchasing home insurance and so I did not understand many terms or how the insurance process works. He went into detail with great examples to explained everything to me, without any judgement. We played phone tag a bit, but I appreciate Alan reaching out several times to ensure I got everything taken care of today.
To whom is reading this review, Square One Insurance is a very good insurance provider. They helped me and my family. I have low income, I am on disability, and their premium rates are fantastic. Their website is so user-friendly. I have not ended up calling directly to customer service, because I have not needed to. Everything is online that you need. I would highly recommend this insurance provider to anyone who is looking for a good rate. Thank you, Square One, for being there for people like myself.
4.7 out of 5. That’s how customers rate Square One Insurance Services after writing 13,239 reviews. And with an A+ rating from the Better Business Bureau, people clearly love the way we’re changing home insurance.
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.
Our policies 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.
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.
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.
We’re all about making things easy for you. You can choose to pay monthly or annually, and you can cancel your policy any time with no penalty (though we’re pretty sure you won’t want to). If you move, your policy moves with you. If you buy a home someday, switching to a homeowner’s policy is a breeze.
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.
When you buy home construction insurance from us, the experience is straightforward from claim to quote. Click on the tabs below to learn about the coverages, deductibles, protection and claim service offered by Square One. You can also download sample policy wordings.
House coverages. Your house is probably the largest asset you own. So, properly protecting it is really important. Our system will help you determine the estimated rebuild cost for your house, which will form the basis of your building limit. You'll then have the option of insuring any detached structures on your property as well as landscaping, fences and gardening equipment.
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.
Other coverages. There are a few other coverages that are essential to any insurance policy, including liability protection.
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.
Glass: This policy protects against damage to glass that forms part of your home, including windows and sliding doors, subject to the standard deductible. For a small additional charge, you can eliminate the deductible for glass damage.
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: