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Home construction insurance for about $75/month

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 home 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.

Stopwatch

Protect all your favourite things

The policy provides blanket coverage for your common personal property. You can also add coverage for your specialty property. When you're happy, you can buy online with just a few clicks. Or, speak with an agent for extra peace-of-mind.

Price tag

Only pay for what you need

Most 'pre-packaged' policies automatically charge you to insure items like fine arts, porcelain ware and rare collectibles. Don’t own these items? You don’t pay to insure them with us. (But if you do, then we can help you insure them.)

Heart

Loved and trusted by customers

4.7 stars out of 5. That's how customers rate Square One after writing 7,339 reviews. Along with an A+ rating from the Better Business Bureau, it's clear people love the way we're changing home insurance. Click here to read some reviews.

Lock

Critical protection included

You don't want to be caught without the right coverage when the unexpected happens. Policies offered by Square One automatically protect against major types of loss, including: break-ins, burst pipes, earthquakes, fires, hail storms and sewer backups.

Lightning

Need to make a claim? That's easy!

It's traumatic enough when something you love is lost or damaged, so we make sure the claim process is simple and straightforward. We're on your side, guiding you through the process from start to finish. See below to find out how we make this happen.

Calendar

Pay monthly with no contract

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 manage your policy online at any time.

Learn how you’re protected with Square One

When you buy home construction insurance from us, the experience is straightforward from quote to claim. 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-related 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 coverages

  • 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 available on home construction insurance policies, including:

  • 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 policy will respond. The higher the deductible you select, the lower the premium you pay on your insurance. Listed 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.

  • Crime: This deductible applies to each insured loss resulting from vandalism, theft, burglary and mysterious disappearance. If this deductible applies, then you are often presented with a couple options.
  • 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.
  • Water backup: This deductible applies to each insured loss resulting from the backup or escape of freshwater or wastewater from a sewer, storm drain, drain, sump, or septic tank. If this deductible applies, you may be presented with a couple options.
  • 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 (or all-risk) policy. That means you're protected against all types of losses except for those types of loss specifically excluded in the policy. The most common policy exclusions include loss or damage due to coastal flood, terrorism and war. In the case of flood, some providers have started offering protection against inland flood. If your policy does not protect against flood, then you'll need to rely on disaster financial assistance programs offered by the government.

For complete details on what is and isn’t covered under your policy, please refer to your policy wordings or speak with one of our licensed agents by calling 1.855.331.6933. You can also download sample policy wordings by visiting the next tab.

Policy wordings

If you need a law degree to understand your insurance policy, something's wrong. At Square One, we're changing that with our modern, common sense approach.

To start, we've worked hard to write all policy documents in plain language. According to our customers, our policy documents are the easiest to read in the industry. Next, we personalize your policy documents to what you've bought. That means you'll know exactly what you've insured, the limits and deductibles you've selected, and the premiums you've paid. Finally, you'll understand what specific terms, conditions and exclusions apply.

If you'd like to review the policy wordings before you buy, please feel free to download the sample policy wordings. Please note that every effort is made to keep the sample wordings up-to-date, but your actual policy documents (and wordings) may differ. In cases where differences exist, your actual policy documents will prevail.

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

  • Highly recommended!

    "I needed to get tenant insurance quickly and I had an amazing experience with Square One! I was able to speak to an agent, Kirsten, right away and she helped me find the right policy that fit my needs. It was such a simple, quick, and easy process. She was friendly, kind, and patient. Excellent customer service and I really can't recommend them highly enough! "

    — from Toronto, ON provided a 5 out of 5 rating on Jun 29, 2018.

  • Purchasing my policy was a fantastic experience.

    "Over the course of a few weeks, I spoke with four different agents, who are not paid on commission, and the on-going service from one agent to the next was flawless. I was emailed an example policy to read so I could see if there were any areas of concern, or that needed some clarification. That was helpful and provided me with a few important questions to ask about my policy. To summarize, I had a great experience purchasing my policy and the service was second to none in my 55 years of experience. "

    — from Timmins, ON provided a 5 out of 5 rating on Jun 21, 2018.

  • Quick and painless.

    "They knew everything they needed to know about my building and pre-filled it on the form, which was super helpful because some of the information that other providers ask for is not freely available. In addition to that, it was a competitive premium and there was transparency around the policy and the wordings. Overall, a positive experience! "

    — from Toronto, ON provided a 5 out of 5 rating on Jun 14, 2018.

  • Above and beyond.

    "I’ve been impressed with the professional service I’ve received with every interaction I’ve had with everyone at Square One. We had some unique and rather challenging requirements for a recent policy and Square One has really come through for us. Thoughtful, kind, efficient, and personal service are the reasons I will recommend Square One to everyone I know. Arsalan, Chantelle, and Devon were standout in their service and dedication to getting it right! Thank you again! "

    — from Surrey, BC provided a 5 out of 5 rating on Jun 5, 2018.

  • Excellent customer service.

    "I was looking for tenant Insurance and felt quite discouraged with the quotes I was getting. When I found Square One online, I decided to call. The agent I spoke to (Angelica) was very helpful and informative. I felt very comfortable with the way she relayed the information to me. I am overall very satisfied thus far that I have found the right policy for me. "

    — from Toronto, ON provided a 5 out of 5 rating on May 28, 2018.

  • I felt I was talking to a friend at the end of my claim.

    "Kevin is a true pleasure to work with! He is very professional, effective, knowledgeable and most importantly, genuinely cares about his customer. This is the first claim I have ever made. He explained everything in great detail and answered all my questions with patience and even shared some tips on how to prevent this from happening again. I felt I was talking to a friend in the end. With Kevin's help, I replaced the laptop shortly after the claim was made, and the school work was not affected. Thank you, Kevin. You made a difference in my life! I'm glad I chose Square One. "

    — from Vancouver, BC provided a 5 out of 5 rating on May 25, 2018.

  • New home policy.

    "I spoke with Trim regarding having a home insurance policy with Square One. Thank you, Trim, for your professionalism, patience, and guidance through the process. I made the decision to change my home insurance to them after learning that the insurance provider l have been dealing with for years was more than doubling my monthly premiums, even though l have never made any claims. With Square One, l will be paying half the monthly premium that l have been paying, and ... " Read more $38 per month less than what the other provider was wanting to charge for the coming year. l look forward to many years with Square One."

    — from Hamilton, ON provided a 5 out of 5 rating on May 18, 2018.

  • Fast, friendly and easy to do!

    "I would just like to say that this is the second policy I purchase with Square One. Their customer service is amazing and they always have staff available to provide you with information about your policy. I strongly recommend them to anyone looking for coverage. "

    — from Ottawa, ON provided a 5 out of 5 rating on May 8, 2018.

  • Thoroughly helpful and efficient.

    "Square One was easy to contact, thoroughly helpful and efficient in addressing our claim to our satisfaction. We were very pleased and comforted in knowing one of our dearest possessions was taken care of with so much respect and consideration for our loss. "

    — from Vancouver, BC provided a 5 out of 5 rating on May 7, 2018.

  • You made it so easy!

    "I'm moving. Wasn't sure what would be involved. Cancel a policy and start all over? I was procrastinating but I finally called three days before my moving date and spoke with Daniel. He transferred my policy from one place to the other, reviewed my coverage with me, adjusted everything needed, told me everything I needed to know and answered all my questions. I even had a confirmation email before our conversation wrapped up. Thanks, Daniel! "

    — from Surrey, BC provided a 5 out of 5 rating on May 1, 2018.

  • Excellent service.

    "I was very happy to do the review and policy update today. The agent made sure to fully inform me regarding the policy coverage and make sure all my questions were answered. Such great service, a great agent, great coverage, great company to deal with! Rate it all 10 out of 10! So simple, so easy and a good company to deal with and great, knowledgeable staff! Would fully recommend to anyone! "

    — from Kitchener, ON provided a 5 out of 5 rating on Apr 30, 2018.

  • Professional, responsive and completely satisfactory.

    "As I filed my very first insurance claim, I was a bit skeptical and worried at the time. As I dealt with Square One, this predetermined notion was absolutely not warranted. Our adjuster Kevin was very professional and responsive to all of our questions and concerns in handling the claim. Thank you Square One! For those who are on the fence, I give my absolute satisfactory approval with them. They might not be the cheapest but they will deal with your claim most fairly. "

    — from Coquitlam, BC provided a 5 out of 5 rating on Apr 30, 2018.

  • Wonderful experience!

    "I had just about given up on continuing any insurance after talking with my current agent and then to another agent who was now in a new office with a different company. When I called Square One, after discovering they are Canadian, local and provide what I seek, I am really pleased! This is a user-friendly organization. Thanks! "

    — from Mill Bay, BC provided a 5 out of 5 rating on Apr 29, 2018.

  • A-plus customer loyalty.

    "Great price, great customer loyalty. My previous provider increased the premiums every year, no matter how long you've been with them. After one year with Square One, they reduced the premium on renewal. It was less than a $1 a month but every bit counts. A-plus. "

    — from Toronto, ON provided a 5 out of 5 rating on Apr 29, 2018.

  • Thorough, easy and Andy was great!

    "Provides very thorough and clear information. Prices are very reasonable and the customer service was fabulous. I would recommend this insurance provider to everyone! Andy also provided all the information necessary very thoroughly and clearly. Andy was very patient with me, very helpful and answered all my questions! Also super nice with the compliments on my pets and very considerate of me being an expecting mother! Made my experience very pleasant. Thank you, Andy! "

    — from Hamilton, ON provided a 5 out of 5 rating on Apr 27, 2018.

  • Excellent.

    "I contacted several insurance providers but Square One responded promptly. I was having a difficult time navigating through the policy that I almost gave up, so I stopped doing it. Right away, an agent called over the phone and guided me patiently through the process. I am elderly and hearing impaired so to be the recipient of kindness like this is awesome. Also, another agent was so kind and helpful and has that cheery voice that told me I could do it. Thanks. "

    — from Mississauga, ON provided a 5 out of 5 rating on Apr 26, 2018.

  • This was so easy.

    "This was my first time buying a policy, and after hunting around, I chose Square One for both its affordability, simplicity, and clarity of its quote and buying process. It made understanding home insurance easy and left me feeling that I understand perfectly what I have bought. "

    — from Ottawa, ON provided a 5 out of 5 rating on Apr 23, 2018.

  • Customer service.

    "The Square One agent who helped me open my policy was friendly, informed, and helpful. She walked me through each phase of the paperwork, patiently explained those aspects of the policy that were unfamiliar to me, and provided information that supported my decision making. Very professional and a delight to talk to. "

    — from Tucson, AZ provided a 5 out of 5 rating on Apr 14, 2018.

  • Quicker to manage online.

    "I needed to organize landlord insurance for my condo. I approached a broker and looked online. Square One was able to give me an estimate that suited my needs in less than 10 minutes. The broker took days to get back to me and the policy offerings were not as comprehensive. Definitely recommend Square One. "

    — from Calgary, AB provided a 5 out of 5 rating on Apr 3, 2018.

  • Perfect fit.

    "I like how accessible the different insurance options are. Every option or clause can be selected and customized. The online application and review process can be saved, edited and revisited when it's convenient. The web interface allows me to download the latest policy. Their agents have always been available for telephone consultation. Square One was the only provider that met my insurance needs for a rental property. It was virtually impossible to insure for a brief ... " Read more period when there were no tenants but Square One allowed me to reduce coverage for that period but still meet my mortgage provider's requirements."

    — from Tottenham, ON provided a 5 out of 5 rating on Mar 31, 2018.

  • Easy.

    "This is one of the easiest things I do every year. Square One makes it so easy. If you don't have tenant insurance, you need to get it. I have found them to be excellent to deal with as well - good customer service. "

    — from Vancouver, BC provided a 5 out of 5 rating on Mar 17, 2018.

  • Great rates and easy online purchase.

    "I was with one of the big insurance companies for five years. They jacked up the rate significantly. Shopped around and found Square One offered the same policy for nearly 25% less. Totally happy and I would recommend them to anyone looking for condo or tenant insurance. Easy process online and no sales pressure whatsoever. You buy what you want. "

    — from Surrey, BC provided a 5 out of 5 rating on Feb 1, 2018.

  • Unbelievably easy!

    "I've fought to get my tenant insurance for the last week and a half from other companies. Always issues with billing, hours of operation, and lack of customer service. Square One made this all go away, it literally took me 10 minutes to go through the process of signing up and paying for my tenant insurance. I don't usually write reviews, but this company stood out above all the rest and I think this is a well-deserved five-stars. "

    — from Carstairs, AB provided a 5 out of 5 rating on Dec 23, 2017.

  • Savings and great service.

    "Our daughter-in-law referred us to Square One for our home insurance in October and we saved a bundle. We found out they will even cover stand-alone rental properties so we have chosen to insure a rental property with them since the past company no longer insures those. Even more great savings! I had wonderful assistance from Armine who guided me through the questionnaire so that I understood everything since rentals are a bit different. "

    — from North Vancouver, BC provided a 5 out of 5 rating on Dec 13, 2017.

  • Excellent and prompt service.

    "Recently had the need to review an existing policy and also purchase new property insurance. Working with Square One was easy and efficient, needing a third of the time compared to another company. Went to the office in Vancouver to meet in-person and had a similar feeling of confidence when asking questions. Superb rates on a Richmond property. Will recommend to family and friends. "

    — from Richmond, BC provided a 5 out of 5 rating on Dec 4, 2017.

  • Super easy website.

    "I forgot that I got a quote from Square One but they had a good call and email follow-up. The website recalled the information I had originally put in and went through each item step by step to explain what each was for and how it would affect the cost. Very user-friendly and I got exactly the coverage I wanted. Thanks! "

    — from Vancouver, BC provided a 5 out of 5 rating on Nov 28, 2017.

  • Best provider around.

    "They're straightforward, show integrity, and don't deny you insurance if your policy was cancelled with someone else. You decide how much you want to pay, it's flexible and great for young people. They give you access to pertinent information like what you're protected against and what your shortfalls will be. Love them, never going to leave. "

    — from Toronto, ON provided a 5 out of 5 rating on Nov 14, 2017.

  • Quick and easy.

    "Just reviewed my policy renewal. It was very easy to make the appropriate changes to cover our needs going forward. It's great to have online access to our policy to ensure we are covered as our needs change. "

    — from Calgary, AB provided a 5 out of 5 rating on Oct 15, 2017.

  • Great prices and excellent customer service.

    "I called in with a few questions as I'm a first-time home buyer and previously had rental insurance. The agent, Lara, not only answered my questions but let me know I'd need to cancel my previous insurance separately and was able to immediately help me do so. When I went to purchase the new plan it said it wasn't available for online purchase. I called back and was immediately helped by another gentleman, he resolved the issue in a matter of minutes. This will be my fourth year with Square One and the rates are great. I'll never go back to BCAA. Keep up the great customer service! "

    — from Vancouver, BC provided a 5 out of 5 rating on Oct 12, 2017.

  • Quick change.

    "I've moved recently and wanted to change my policy details. I'm so glad the online system of Square One is very simple and straightforward. It took me less than 20 minutes to change and finalize my new policy without the trouble of calling anyone. "

    — from Burnaby, BC provided a 5 out of 5 rating on Oct 10, 2017.

  • Really liked the customization options.

    "I just bought my plan and I really enjoyed how I can customize it to suit my needs as a tenant. As someone who just has a small bachelor apartment and not much to insure, but is required to purchase insurance by my landlord, it's great to be able to customize the plan and therefore get a more fair price. I also liked doing this all quickly online and on a user-friendly website. "

    — from Toronto, ON provided a 5 out of 5 rating on Sep 17, 2017.

  • Very easy online quote process.

    "I received my policy renewal invoice from my former insurance provider. By spending 20 minutes online with Square One, I was able to get both more coverage and a lower total cost for a new tenant policy. Now, that's what I call a win-win situation! "

    — from Ottawa, ON provided a 5 out of 5 rating on Sep 5, 2017.

  • Easy to use.

    "Square One has been excellent both through clear steps on the website and no-hassle telephone support. My experience buying the policy has been straightforward and non-stressful. "

    — from Ottawa, ON provided a 5 out of 5 rating on Sep 1, 2017.

  • Great customer service.

    "I spoke with Dustin over the phone and he was extremely helpful in switching my policies. It was a very thorough and clear process, and it only took 15 minutes! Really appreciate the effort made by Dustin. Five stars! "

    — from Burnaby, B.C. provided a 5 out of 5 rating on Aug 30, 2017.

  • I'd recommend Square One to my friends and family.

    "I'm very pleased and happy to be with Square One. Nicole was pleasant and very informative when she answered all of my questions. Made me feel at ease. I would recommend this insurance provider to my friends and family. "

    — from Toronto, ON provided a 5 out of 5 rating on Aug 17, 2017.

  • Quick, reliable, and easy to understand.

    "This was the most complete, easy to understand and easy to buy insurance process that I have found online. I bought tenant insurance, had all my questions answered quickly and they were easily understood. They gave me many options to choose from to set up the policy the way I wanted to cover my needs while paying as little or as much as I want. I can't say anything about filing a claim but hopefully, it will be as quick and smooth. I hope that I will never need to but ... " Read more at least it's there should anything ever arise which grants me a bit of stress relief not having that "what if" worry overhead. I would definitely give them a look for your insurance needs."

    — from Sudbury, ON provided a 5 out of 5 rating on Aug 4, 2017.

  • Good rate and easy process.

    "The rate was the best I've seen and I shopped around quite a lot! The process was super easy and the online program pulled up information on the building so I didn't have to hunt for it. Would recommend! "

    — from King City, ON provided a 5 out of 5 rating on Jul 31, 2017.

  • Couldn't be simpler.

    "This was the most painless interaction I've ever had with an insurance provider. It was a quick, simple, effective, and intuitive process that got us the tenant insurance we needed for our new home. I couldn't be more pleased! "

    — from Ottawa, ON provided a 5 out of 5 rating on Jul 21, 2017.

  • Always easy and fairly priced.

    "This is the third policy we have purchased from Square One. The quote process is simple, the information is transparent, and it's really easy to make informed decisions. It's also easy to tailor the plan to your needs. The prices are the best we've found. If you have to call, the staff are friendly and knowledgable as well. "

    — from Victoria, BC provided a 5 out of 5 rating on Jun 30, 2017.

  • Very easy to do business with.

    "We have been with Square One for 3 years and find them very easy to do business with, and very affordable. I recently requested a change to my policy to cover additional jewelry and had a general clarifying question about my policy. I received a call from an agent within a few hours to make the policy change and answer my question. Overall a great experience. "

    — from Toronto, ON provided a 5 out of 5 rating on Jun 23, 2017.

Recently purchased policies

    How do we do it?

    Click play and learn how you can get a policy for as little as $75/month.

    Why Square One?

    With Square One, you get a knowledgeable team, fast service, excellent protection, great prices and more...

    • A+ rating with the Better Business Bureau
    • Over 7,339 happy customer reviews online
    • Get your quote in less than 15 minutes
    • No long-term contracts
    • Option to pay monthly at no extra cost
    • Dedicated 24/7 emergency claims line
    • Claims are handled fairly and promptly

    Get a home construction insurance quote now

    To see how affordable home construction insurance can be, get an online quote now. Or, call 1.855.331.6933. We’re open 6:30 am - 6:30 pm (Mon - Sat). Whichever option you choose, it will take less than 15 minutes to get a quote.

    Get an online quote now