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home construction insurance Simplified

Get a home construction insurance quote in 5 minutes.

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.

Complete protection for your home and personal property

Home construction insurance that customers love and trust

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.

What our customers say
13,787
Verified reviews

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.

Helpful, friendly and knowledgeable.
5

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.

Jan 10, 2020
Jon H. Barrie, ON
Home insurance.
5

Premiums on my last property insurance company increased. I did some Google searches and Square One kept popping up—and I can see why! From completing an online request and then speaking with 2 separate agents (one for the initial quote and the second to finalize and purchase), I could not have been happier. So pleased with the knowledge, the friendliness, the helpfulness and of course the price. Very simple and efficient to get a good policy and very courteous people

Jan 3, 2020
Sandra H. Unionville, ON
Always straightforward.
5

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.

Nov 25, 2019
Kevin B. Brampton, ON
Quick, easy, and friendly.
5

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!

Nov 15, 2019
Cassandra H. Fort St. John, BC
Thanks for being there for me, and my family, and friends!
5

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!

Oct 30, 2019
Diana W. Burnaby, BC
Lily is the best insurance person!
5

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!

Oct 17, 2019
Lori H. Sherwood Park, AB
Excellent and super-convenient service!
5

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.

Oct 16, 2019
Yunhye C. Vancouver, BC
Amazing.
5

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.

Oct 12, 2019
Brendon W. Beaumont, AB
Exceptional experience!
5

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!

Oct 9, 2019
Evangelos G. Burnaby, BC
Great customer service.
5

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

Oct 5, 2019
Charlene S. Scarborough, ON
Different than other providers

Six reasons why you'll love Square One

4.7 out of 5. That’s how customers rate Square One Insurance Services after writing 13,787 reviews. And with an A+ rating from the Better Business Bureau, people clearly love the way we’re changing home construction insurance 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.

It only takes 5 minutes

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.

Coverages and Deductibles

Learn how you’re protected
with Square One

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.

Building: This coverage protects, on a guaranteed replacement cost basis, the main structure of your house as well as attached garages, swimming pools and hot tubs. It also protects, on an unlimited basis, additional costs due to building code changes.
Detached structures, fences and landscaping: This optional coverage protects any structures located on the property that are not attached to your house, including carriage homes, docks, garages, gazebos, workshops and sheds. It also protects all trees, shrubs, lawns, fences, retaining walls, rockeries, and anything else that improves your home's curb appeal. Note that patio furniture is considered personal property.

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.

Personal property on premises: In most cases, you won't have a lot of personal or specialty property on premises when building a new home or undertaking a major renovation to an existing home. That said; you can insure any "moveable" property you own that will be kept on premises during the period of construction or renovation. This typically includes appliances and household goods. Please note that this does not protect any specialty property, which includes: bicycles, sporting equipment and watercraft; business property; fine arts and collectibles; jewellery and watches; and landlord's property. Once the home is ready for occupancy, you'll have a wider range of personal and specialty property options.

Other coverages. There are a few other coverages that are essential to any insurance policy, including liability protection.

Construction or renovation delay expense: This optional coverage protects against reasonable and necessary increases in living expenses, interest expenses and legal costs if your home experiences construction or renovation delays from an insured loss.
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.


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.


Wind and hail: This deductible applies to each insured loss resulting from a windstorm or hailstorm. If this deductible applies, you may be presented with a couple options.
Standard: This deductible applies to each insured loss not specifically mentioned earlier. For example, the earthquake deductible, not the standard deductible, applies to each insured loss resulting from an earthquake.

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:

24/7 emergency claim line so we're there whenever you need us
For emergency claims you're guaranteed a response within 2 hours
For all claims, you'll work with a single claims adjuster
Quickly track each stage of your claim online
We guarantee that all claims are dealt with fairly, transparently and quickly
You're treated with respect and kept informed at every stage of your claim
Thousands choose us every month

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Serving British Columbia, Alberta, Saskatchewan, Manitoba, and Ontario.