Get a home insurance quote in less than 15 minutes.

Low-cost home insurance that includes flood coverage

Complete protection for your home and personal property starting from $15/month

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Square One Insurance Services offers some of the best home insurance coverage in North America. In fact, most policies include water, sewer backup and inland flood protection. An overview of the inland flood protection is provided below. But first, here are some important things that set Square One apart from the competition:

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

With 4,429 reviews from happy customers and an A+ rating from the Better Business Bureau, 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, 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 Square One policies protect against flood damage

Using the tabs below, you can learn more about the home insurance and flood protection offered by Square One. You can also download sample policy wordings. And finally, you can read about just how easy it is to get help when you most need it…at claim time.

Home insurance coverage

Before reviewing your coverage and deductible options, it’s important you know that Square One offers a comprehensive policy. That means it insures against all types of loss except for what’s specifically excluded. The most common exclusions include war, terrorism and coastal flood. And, our policy automatically includes earthquake protection.

Core covers

There are certain core covers automatically included in your policy. For example, if you own a house and it is your primary residence, the core covers include:

  • Building
  • Personal property
  • Additional living expenses
  • Personal and premises liability

Specialty property covers

You choose what specialty property, if any, you want to insure. That way, you only pay for what you need. The most common types of specialty property insured are:

  • Bicycles and sporting equipment
  • Fine arts, collectibles and oriental rugs
  • Jewellery and watches
  • Musical instruments

Optional covers

As with specialty property, you choose what optional covers, if any, you want to add to your policy. Some examples of commonly purchased optional covers include:

  • Detached structures
  • Landscaping, fences and gardening equipment
  • Identity theft and financial loss
  • Legal protection

Policy deductibles

A deductible is the amount you must pay before your policy will respond for an insured loss. All policies have at least one deductible. In some cases, different deductibles may apply depending on the type of loss.

You’ll usually have the option of choosing from a range of deductible amounts. Select the deductible amount that best fits your individual risk profile and budget.

Flood insurance coverage

Historically, home insurance policies in Canada did not cover loss or damage caused by flooding; instead, you would have to rely on Disaster Financial Assistance programs from individual provincial governments. If your home insurance provider still doesn’t offer flood protection, you should shop around. Some providers now offer flood protection.

At Square One, most of our home insurance policies now automatically cover loss or damage caused by inland flood. We define inland flood as the covering of dry land by freshwater or wastewater that:

  • has escaped or been released from the normal confines of a lake, river, stream, natural watercourse, reservoir, canal or dam; or
  • is generated by snowmelt or rainfall that cannot be dispersed by soil absorption, runoff and drainage.

Eligibility

Inland flood protection is automatically included in most policies. About 5% of customers are not eligible for inland flood protection because their homes are located in areas with an extreme flood risk. These customers need to rely on Disaster Financial Assistance provided by the government. During the quote process, you’ll learn if you’re eligible for inland flood protection.

Deductible

Under Square One’s policy, all losses are subject to a deductible. The deductible is the amount that you must pay before the policy will respond. For inland flood related losses, the deductible ranges from $500 to $10,000. By selecting a higher deductible, you might be able to reduce your monthly premiums.

Cost

If you’re eligible for inland flood protection, it is automatically included in your monthly premium. The additional amount paid for this protection depends on the following:

  • Whether you own or rent your home.
  • The type of home you live in.
  • The location of your home.
  • The limits and deductibles you select.

That said, protection will start at $2/month for those renting their homes or those who own a condo. For those who own a house, protection will start at $4/month.

Exclusions

Square One’s policy does not cover damage caused by:

  • coastal flood, ground water or rising of the water table; or
  • gradual, continuous or repeated seepage, condensation, or leakage of water or steam over a period of time.

Coastal flood is the covering of dry land by seawater, including seawater caused by high tides, sea waves, changes in sea levels or storm surge.

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
  • 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.

  • Amazing service!

    "I've just spent the last three days working through some very complicated policies with Sunny from the Square One team. He has been patient, kind, responsive, and never once has he pressured me to purchase anything. The services that Square One offer are more in-line with the way people are using their spaces today. Thanks to Sunny and the team I've purchased one policy and am finalizing two more. Looking forward to being your customer for years to come! "

    from Vancouver, BC provided a 5 out of 5 rating on Jun 21, 2017.

  • So easy, clear, and smooth!

    "This has been the most pleasant and user-friendly insurance application I have ever used, and I used to work at an insurance company! Thanks for being so transparent and making the complicated world of insurance a little bit easier. What I like most is that you can do everything online; you don't have to set up an appointment with an insurance broker in a brick and mortar establishment and the platform is so smooth, attractive, and easy! Five stars. Keep up the cutting-edge technology and great service! "

    from Kingston, ON provided a 5 out of 5 rating on Jun 6, 2017.

  • Exactly what I was looking for.

    "I needed tenant insurance allowing sublets and wanted a calculator to show me how coverage options impact premiums. Easy to use online interface, I can personalize all coverage details and see the updated premium. Helpful service by phone as well! "

    from Vancouver, BC provided a 5 out of 5 rating on May 23, 2017.

  • Excellent customer service!

    "I was turned down by two major banks because there was a gap in my coverage period. I looked up Square One because it had great reviews. I am so thankful to Sandra, who handled my file with great patience, care, and professional expertise. I am really impressed with the way she calmly explained everything. I am really thankful and would definitely recommend Square One to all my friends! "

    from Toronto, ON provided a 5 out of 5 rating on May 5, 2017.

  • Easy, fast, and hassle-free!

    "In today's tech-advanced world, it's so nice to see a company that is keeping up and putting customer service and convenience first and foremost. Very happy with the online experience, specifically the quote flow where one gets a quote and subsequently purchases a policy! "

    from Vancouver, BC provided a 5 out of 5 rating on May 4, 2017.

  • Exceptional.

    "Had to call three separate times due to little mistakes and confusion on my part. The agents were excellent every time and I never had to wait more than five minutes. As far as I can tell, your service is significantly better than the competition! Keep up the good work. "

    from Vancouver, BC provided a 5 out of 5 rating on May 1, 2017.

  • Exceptional customer service.

    "I'm happy to say that the process for choosing my tenant insurance policy was easy and frustration free. When I had questions, an agent was just a phone call away. The agents were friendly and helpful. I recommend Square One for that reason. "

    from Kelowna, BC provided a 5 out of 5 rating on Apr 27, 2017.

  • Quick, easy, and affordable.

    "I went to a quote aggregator to price our insurance required by our landlord. I was contacted by phone by a wonderfully charming Square One agent named Sandra and had a policy in about 15 minutes. It was also in the price range I expected and covered all of the landlord's liability requirements. "

    from York, ON provided a 5 out of 5 rating on Apr 21, 2017.

  • Great service!

    "It was so easy to go through the steps of applying for a policy and getting a quote. Competitive pricing and friendly employees who responded quickly. It's great to have an explanation of all the costs and implications on the website. Highly recommend! "

    from Toronto, ON provided a 5 out of 5 rating on Mar 29, 2017.

  • The way it should be.

    "The friendly online system makes it easy to understand each offered coverage, and it saves time. Prices are better than I currently have and it's easy to choose from other options. The system gives you the flexibility to think without immediate pressure when you're on the phone with an agent. Agents on the phone are friendly, helpful and available with no wait time. Compared to past experiences with other insurance providers, this is VIP service. Would recommend to all my friends and relatives. Thank you for being proactive in setting the new standard for insurance providers. "

    from Burnaby, BC provided a 5 out of 5 rating on Mar 24, 2017.

  • Extremely simple service.

    "If you've ever tried going in somewhere to get rental insurance, you'll know it's a hassle. Square One is simple and easy. I did my initial quote and later realized I had to complete it. So, I went back to the quote they sent me and completed it in under 5 minutes. Great service, don't go far trying to look for anything better! "

    from Richmond, BC provided a 5 out of 5 rating on Mar 18, 2017.

  • Everything you need.

    "Really helpful agents after my first call, online payment, less than half of what's quoted by bigger providers, shockingly quick and simple, and the least stressful process I've ever had in setting up my insurance. I was with my insurance company for nine years, and three different cities - I thought I'd get a discount. Square One offered me a rate at half their quote and made it easy for me. Definitely will recommend! "

    from Toronto, ON provided a 5 out of 5 rating on Feb 24, 2017.

  • Just purchased two home insurance policies.

    "I really enjoyed purchasing home insurance from Square One. I purchased two policies this past month, one for a rental property and one for our primary residence. I appreciated that I could do all the initial work online, then speak with one of their agents if I had any questions. Another nice feature is that I could go online, and in just minutes, make changes or updates to the polices. I also found that both policies were less expensive than the company I previously purchased insurance through. Overall, a very good experience. "

    from Prince George, BC provided a 5 out of 5 rating on Feb 9, 2017.

  • Stress-free claims process!

    "I recommend Square One to anyone looking for straightforward and worry-free coverage. We have been Square One customers for nearly four years, and they have always provided exemplary customer service. We recently moved to our new home, and if that wasn't stressful enough, we were robbed during the transition. We contacted Square One shortly after filing a police report, and within a week, our claim was settled! Thank you very much to our adjuster, Scott Trepke, for your exceptional level of service; we greatly appreciate your help in truly creating a stress-free process for us! "

    from Richmond, BC provided a 5 out of 5 rating on Dec 21, 2016.

  • Excellent customer service.

    "We have been with the same company for property insurance for over 10 years. When our insurance renewal was up, it seemed like it was too expensive. Also, their customer service was terrible, and the agent handling our renewal did not show any professional expertise. Out of frustration, we asked friends and relatives, and we found Square One. What a pleasant customer experience! Devon McGuire and her team were very professional and prompt in their responses. In the end, we bought the policy with a much lower premium, and we felt very good about the whole process. "

    from Burnaby, BC provided a 5 out of 5 rating on Sep 28, 2016.

  • There was complete transparency, our adjuster was excellent.

    "We had wind and hail damage a couple of months back and had talked to a Square One team member around the incident. We were explained a very simple process of filing a claim. When we initiated the process, our main point of contact was Robert Neville of Kendal Adjusters, who was our adjuster for the claim. From the first phone call, right through to the end of the claim process, he was not only extremely prompt in answering our queries but in simplifying the process. ... " Read more Despite the fact that we never knew whether our claim would be approved or not, the most important experience that we remembered was the professionalism, the courteousness and the transparency. All communications were to the point and responsive, there was complete transparency, he was very patience with an eager and stressed customer, and always followed up on our queries. Due to our experience with Robert and Square One, you have won yourself a loyal customer. We have even gone ahead and shared our experiences with our friends and family and they are surprised as well. If you ever come up with automobile insurance, we would sign up without a hitch. When we buy another property, our sign up for insurance will go to Square One without hesitation. Claims processes can be a pretty intimidating and complex but Square One has simplified the process, removing the unnecessary complexity."

    from Calgary, AB provided a 5 out of 5 rating on Jul 22, 2016.

  • Exceptional in every way.

    "After inquiring with my existing insurance company about the possibility of short term rentals and told they wouldn't cover me I decided to see what others are doing. In finding Square One I saved $100/mo and was able to build my policy for my needs instead of being dictated by the insurer. I was easily able to find out all information that would affect me and the customer service provided was exceptional. I could not be happier and my partner and I are shaking our heads that we hadn't found them and saved money earlier. "

    from Victoria, BC provided a 5 out of 5 rating on May 25, 2016.

  • Easiest website to use, very flexible policies.

    "You can really tailor the policy to your needs and budget, they have flexibility in coverage that was not easily found with other insurance providers. Their premiums are the lowest that I found and I was able to get a quote and purchase the policy online. Very easy website to navigate and lots of help/clarification available if needed. I am a happy customer. "

    from London, ON provided a 5 out of 5 rating on May 19, 2016.

  • Great prices, easy to use!

    "My fiance and I were just approved to move into an apartment tomorrow and needed insurance today, no hassle and no wait period. I googled insurance in Ontario and Square One popped up right away. I initially went to my bank over the telephone but was given the run around regarding payments, my coverage wouldn't have started until mid-April and the quote was fairly high. I found Square One and I'm so glad I did! Easy to use, amazing price, my coverage starts today and I was able to pay via visa debit (which my bank wouldn't let me do, even if it's their card). Thanks Square One! "

    from Fergus, ON provided a 5 out of 5 rating on Apr 1, 2016.

  • Easy, fast, and a great price.

    "I got many online quotes prior to discovering Square One. Their website was easy to use and I liked that my quote was the actual final price which I could purchase right there online. For many other insurance providers I needed to talk to a human following the original quote and they always raised it. With Square One the quote did not go higher. They actually advised me on how it could be lower. Finally, the price was 40% less than the closest competitor. Easy to use website, fast service and a great price. "

    from Gatineau, QC provided a 5 out of 5 rating on Mar 9, 2016.

  • Exceptional experience.

    "The Square One website is unbelievably user-friendly and the pick-your-own coverage product is very different from other insurance companies. I feel this policy is completely tailored to our needs, and I saved us over $300 a year by doing so! My questions were answered quickly and thoroughly through my online chat - I didn't have wait in a queue or anything. I heard about this company through a friend and I will definitely be recommending them to anyone else I know! "

    from Vancouver, BC provided a 5 out of 5 rating on Feb 9, 2016.

  • The best experience by far!

    "Everything from the initial call to receiving documents was done in less then 24 hours. Kevin Gan was a pleasure to deal with, he was informative, knowledgeable and very patient. After a week of websites that took 20 minutes to answer questions just to be told to contact the local agent, agents that never returned calls (one even told me in person that he was closing in 30 minutes and I should come back tomorrow), I was very frustrated. Dealing with Square One was an unexpected pleasure. The best by far! "

    from Oshawa, ON provided a 5 out of 5 rating on Jan 6, 2016.

  • Great claims service.

    "I had a water pipe bust in our house and there was a lot of damage. I was surprised to see that even at 1am at night I got a call back from the adjuster who was ready to send somebody immediately for remedial work. The entire process from initial demolition to reconstruction was done very professionally and in a couple of months time I was back to where we were originally. I am pleased by the work done by Rupert Pong at the insurance company and the adjuster, Graham, for making the entire process smooth. I would highly recommend this insurance company to everyone. Thank you! "

    from Mississauga, ON provided a 5 out of 5 rating on Dec 15, 2015.

  • Best rates and amazing service.

    "I recently did an online quote with Square One Insurance, and was completely shocked to see how much I had been overpaying in the past for home insurance. I figured I would go ahead and give them a call to see about having a policy for such a low cost. When I called to speak to Sandra, she made me feel as though I was cared for, unlike other companies that make you feel like you're just a paycheque. She answered all my questions, and even made my monthly payments less ... " Read more than the quote. Two days later I am not only insured, but I am also saving money, a lot of money. I have already referred Square One to a few people, and will continue to refer my friends and family. Amazing job Square One, you have made a family extremely happy."

    from Chatham, ON provided a 5 out of 5 rating on Nov 17, 2015.

  • Amazing service.

    "I am super impressed with the rates and love the web presence/interface which makes buying insurance a very transparent process. In the past, I could never tell what my insurance covered but with Square One I know exactly what I am covered for and the associated costs. I also appreciate that the comprehensive policy automatically includes coverage for sewer backup and water damage. I recently reported a claim online and the process was seamless. An adjuster contacted ... " Read more me back very promptly and was extremely professional in walking me through the entire process. I have already referred my friends to Square One and they too are extremely impressed with the rates and web presence. Fantastic job!"

    from Burnaby, BC provided a 5 out of 5 rating on Nov 2, 2015.

  • Five star service.

    "Every time I deal with this company I receive five star service. Definitely impressed by how easy everything was and how helpful the agents were. The first agent, Kevin, helped me set up my initial plan and provided an easy to understand overview of what I needed. The second agent, Devon, helped me adjust my plan when I changed units in my building by creating an already filled out quote for me to submit. Extremely satisfied, will recommend to friends. Thank you so much for making this a pleasant experience! "

    from Edmonton, AB provided a 5 out of 5 rating on Oct 26, 2015.

  • Quick and easy.

    "I came to Square One after receiving the cost to renew my home insurance through my insurance broker. The brokers cost was quite high compared to what Square One offers (almost triple the amount). Spent 10 minutes online getting a quote, and another 5 buying it. It was quick and easy. And, saving me almost $800 a year on home insurance just makes it that much better. I will definitely be recommending Square One to my friends and family. "

    from Saskatoon, SK provided a 5 out of 5 rating on Oct 16, 2015.

  • Half the price of TD.

    "I recently purchased a house in Hamilton, received a quote from our mortgage broker at TD Canada Trust and it was $131 plus tax, I received a quote from Square One for $57 including tax - this is amazing. With live chats, great phone service and a simple online application, hopefully I can deal with more companies like this in the future. "

    from Hamilton, ON provided a 5 out of 5 rating on Oct 16, 2015.


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    • Claims are handled fairly and promptly

    Get a personalized home insurance quote now

    To see how affordable personalized home insurance can be, get an online quote now. Or, call 1.855.331.6933 for a phone quote. We're open 8:30 am - 5:30 pm (Mon - Sat). Whichever option you choose, it will take less than 15 minutes to get a quote.

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