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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.

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
11,134
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.

Amazing!
5

I honestly never write reviews but this was the best experience I've had buying insurance or anything! Claire was very thorough, professional and even funny. Yes, funny! Nice to talk to someone who isn't like a robot. The services they offer are also very fair and we're more than happy. Highly recommend.

Jun 12, 2019
Carley S. Vancouver, BC
My Square One claim.
5

I would like to thank Shawn. He was such a great help during the entire process. This is my first ever insurance claim in my entire 12 plus years of home ownership. He provided good insight into the process and procedures. I'm thankful to have Shawn assist with my claim and walk me through this potentially stressful situation. The responses were prompt and professional. Truly appreciate the outstanding service.

May 14, 2019
Annie R. Vancouver, BC
Savings!
5

I came across Square One while searching for a new provider. My current provider decided to increase my premium to $600/year with no explanation. I am claims-free and nothing had changed. Their broker was also less than helpful. The process with Square One is so easy, absolutely anyone can do it. Not only am I saving the $600/year increase, but my policy is even $70 cheaper than what I was paying for the same coverage! I only wish I had found this company sooner!

May 10, 2019
Tina H. Merrickville, ON
Phew!
5

After many hours of research, frustration, pleading and angst, I found Square One and Armine. Most insurance providers have the same blanket policies and prices. Square One has the common sense to offer a personalized policy. You don't have to pay for more than you want, just what you need. And Armine is a credit to the company. Thank you very much.

May 7, 2019
Bob C. Little Rapids, ON
Best customer service I've ever received!
5

Admittedly I'm hard to impress and have high expectations for companies when trying to solve problems I'm experiencing. That said, after calling Square One, I was met with a professional who was able to efficiently communicate and address my needs without issue. Alan was fantastic to speak to and well informed about the services I could be offered, without any type of sales pitch which is usually the expectation for these calls. I can't speak highly enough about the interaction and it certainly kicked things off well.

Apr 22, 2019
Corbin B. Toronto, ON
So simple and effective.
5

It's always a pain to take time out of your day to drop everything and sit on a phone for 20-30 minutes changing everything over. The online way of doing insurance is amazing and Square One does it the best.

Apr 12, 2019
Gregory W. St Catharines, ON
Excellent customer care.
5

I recently made the switch to Square One last year. I'll be honest, I had my doubts. After being with my previous insurance company for over 15 years, I was worried because the price was much lower than I previously had been paying. When I had to make a claim, my adjuster (Garry) went above and beyond any customer service I had ever received before. He was patient and understanding of my situation and he truly did care. From the beginning of my claim right to the end,

Mar 20, 2019
Susana C. Brantford, ON
My claim experience.
5

The entire claims process was extremely easy to do online and the adjuster, Erick, was very helpful and professional. I was impressed with how fast everything was reviewed and approved. I even received an e-transfer of the funds so didn't have to wait for a cheque. I highly recommend Square One as an insurance provider.

Feb 19, 2019
Paul Q. Burnaby, BC
Claim with Square One.
5

I was tired of high home insurance costs, so I decided to go online and search for more affordable insurance options in BC. In less than 5 minutes, I came across Square One. First, I was sceptical; it looked too good to be true, but I decided to give it a try. They customized the policy to my particular needs. I had been a customer for 2 years when somebody broke into our home. I phoned Square One right away and the adjuster helped us throughout the whole process of

Feb 8, 2019
Marco P. Richmond, BC
Great service and rates.
5

Great service. I called about the advertised $12/month tenant insurance. In two minutes, an agent was able to verify that I qualified, explain the policy, answer questions and issue the policy. For my living situation, this policy has a better rate and better conditions than three other companies I looked into.

Jan 30, 2019
Gabriel L. Toronto, 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 11,134 reviews. And with an A+ rating from the Better Business Bureau, people clearly love the way we’re changing home insurance.

Protect all your favourite things

Our policy provides blanket coverage for your common personal property, but you can also add coverage for specialty property, like fine arts and rare collectibles. Don't own those? With us, you don't pay to insure them.

Critical protection included

You don't want to be caught without the right coverage when the unexpected happens. Our comprehensive policies automatically protect against break-ins, burst pipes, fires, hailstorms, and water backups.

Your time matters

Five minutes. That's the average time it takes to get a quote and buy online. And 90% of all phone calls are answered within one minute. Waiting in line for a coffee? You have time to get a quote and buy online.

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 by bank withdrawal or credit card, for as long (or little) as you need protection.

Need to make a claim?

Easy! It's traumatic enough when something you love is lost or damaged, so we make sure the claims process is fair, fast, and straightforward. In fact, over 90% of claims are approved and most are settled in less than 60 days.

Backed by stable companies

Square One only works with well-established, financially strong insurance and reinsurance companies. That means you can rest assured that your covered claims, including those from major catastrophes, will be paid.

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 must pay the first $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.