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Your time matters, and so does your stuff. Get a personalized home insurance
quote in 5 minutes. That's less time than it takes to wait in line for coffee.

Home Insurance

Ontario home insurance from $12/month

Looking for Ontario home insurance? You've come to the right place. Square One offers the only policy in North America that can be personalized to your individual needs. That means you decide what to insure, so you only pay for the protection you need. You also get to choose from a wide range of coverage and deductible options.

What our customers say
11,107
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.

Different than other providers

home insurance customers love and trust

4.7 out of 5. That’s how customers rate Square One Insurance Services after writing 11,107 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.

What you really want to know

How are claims handled?

The insurance industry doesn't have the greatest reputation when it comes to claims. Many people fear their insurer will go to any length possible to avoid paying claims. At Square One, we’re different. We're there when you need us most.

How different? Legal jargon can be confusing, so we've created a transparency page to translate the legal language of your policy into plain English.

We're committed to changing how you think of insurance. We'll make sure your claim is handled quickly and fairly.

See Our Transparency Page
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The right protection from day one

The biggest problem with making a claim is not having the right protection. With a policy that's tailored to your needs, you get the best protection possible.

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Two-hour emergency response

We guarantee a fast response when you need it most. Not an emergency? No problem. Your adjuster will still be in touch within one business day. It's your home, and your stuff, so we keep you in the loop.

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One point of contact

A single dedicated adjuster works with you from start to finish. Without the need to repeat the details of your claim, you'll be back on your feet in no time.

Thousands choose us every month

Recently purchased policies

5 steps to get a quote

In 5 minutes, you can get a free quote online.

  1. Specify the location you are insuring
  2. Describe the home's characteristics
  3. Provide some basic information about yourself
  4. Choose what you want to insure
  5. Get your premium

Love your quote? Buy online or save for later. Or, call 1.855.331.6933 for assistance.

How customers personalize their policies

Provided below are statistics on the percentage of Square One customers that add each class of specialty property to their policies.

  • 18% insure jewellery + watches
  • 8% insure bicycles + sporting equipment
  • 7% insure musical instruments
  • 6% insure fine arts, collectibles + oriental rugs
  • 5% insure business property
  • 3% insure china, silverware + furs

Resources for Ontario residents

Provided below are some basic resources for those of you who may be new to Ontario. These resources range from a background on the city to tips on planning a move.

Learning about Ontario

Ontario has a population of 13,550,900 people, which makes it Canada’s largest province. Ontario is known for its stunning geographical beauty, which includes the great lakes and Niagara Falls. With a land area of 1,076,000 square kilometers, it is the second largest province in Canada next to Quebec.

As the world’s fifth largest waterfall by volume, the Niagara Falls is a beautiful sight. Visitors can see it at night, go on a ferry ride around the falls, and even take a journey behind them. You can view the falls from the Skylon Tower, or walk the infamous Clifton Hill.

Within Toronto, the “New York City” of Canada, is the CN Tower. This 1,815 meter tall rotational observation tower includes a restaurant, viewing area with a glass floor, and the EdgeWalk for those who dare to step out on a ledge.

Planning a move

Before your move, consider following the steps below to make the entire process as easy as possible.

  • Select your movers: First, decide whether or not you’re going to hire a moving company. Know what needs to be moved from your home, and if you have any help already available. If you have willing friends and family, moving without using a company can save you money. But, if you have any large items such as a grandfather clock, using a moving company may be a good idea. While there are several moving companies in Ontario, Two Small Men, Smart Movers, and Centennial Moving are popular choices.
  • Get necessary supplies: The next step is to gather the supplies you’ll need for when it comes time to pack and move. These include boxes, tape, labels, bubble wrap or other specialty packaging, and a dolly. The average person can expect to spend up to $250 on supplies which can vary depending on the size of your family.
  • Pack smart: Remember that you’ll want essential items unpacked immediately, and ready to use that night. It’s no fun going through multiple boxes for only one or two items. You should keep the essential items within easy reach so they can be unpacked first. These commonly include, utensils, clothing, pots and pans, bedding, and curtains.
  • Keep your receipts: If you moved closer to work by at least 40 kilometers, the Canada Revenue Agency allows you to deduct some moving expenses from your income. Visit the CRA to learn more.

Getting oriented

Now that you’ve moved into your new residence, you’ll need to set up any arrangements that you may have used at your previous home.

  • Obtain or update your driver’s license and car insurance: Now that you’re a new Ontario resident, you’ll want to update or obtain a new drivers license to reflect your new address. While there are several different choices, Belair Direct and Allstate Auto Insurance are common options.
  • Update your mailing address: Now that you’ve moved addresses, you’ll need to update your account and set up mail forwarding through Canada Post to ensure you don’t miss important letters or packages. Visit Canada Post’s website and get started.
  • Find local schools, daycares, and health professionals: If you have children, you should find both a local school or daycare. Because daycares in Ontario are popular, it’s important to enroll your children as soon as possible. Visit the school directory and daycare options to learn more. Now that you’ve moved, chances are you’ll need to change your doctor, dentist, chiropractor, or other health professional, including veterinarians. Visit Government of Ontario to find health professionals and resources.
  • Update your banking information: If the bank you were using prior to your move does not operate in Ontario, you need to find a bank or credit union that does. While there are several different options, the most common in Ontario are RBC, TD, and HSBC.

Setting up your home

Once you’ve moved into your new home, you’ll need to set up different accounts and think about some services to complete your move.

  • Cable and phone service providers: It’s almost essential to setup your cable and phone service once you’ve moved to a new residence. There are several different options available in Ontario, however the more common companies are Zazeen TV, VMedia, and Rogers.
  • Hydro, electricity, and gas providers: Just like cable and phone services, you can’t operate your home without necessary accounts with hydro, electricity, and gas companies. While there are several options available in Ontario, Hydro One is a popular choice. It’s important to note that some municipalities may supply utilities to their residents themselves.
  • Home insurance providers: You’ve just moved into a home, it’s possibly your biggest investment to date and you want to make sure it’s protected! Visit the Square One home insurance page to find out which policy best suits your needs and to receive an online quote.
  • Landscaping companies: After moving into your new home, if there are any major changes you’d like to make to your lawn it may be best to hire a landscaping company. While there are hundreds of options in Ontario, you can find a list of companies by visiting the Landscape Ontario website.

Making repairs to your home

With any new home, you need to be prepared in case something does go wrong. It’s a good idea to have a resource readily available for finding companies that can offer quick repairs.

  • Plumbing: While there are hundreds of different options when it comes to plumbing repairs in Ontario, this list of companies will help kickstart your search.
  • Restoration and renovation: If your new home needs any repairs or upgrades, it’s a good idea to check with a restoration or renovation company to make sure you’ve found the root causes to any problems. Check out Square One’s list of restoration contractors as well as a list of Ontario renovation companies to help your search.

    Additionally, feel free to browse though Square One’s home improvement resource center to learn more.

  • Electrical: Loss of power is one of the last things you want to deal with once settled into a new home. If the problem isn’t linked to your electricity provider, you should contact an electrician. While there are several different options in Ontario, Roberts Electrical, Forsyth Electrical Services, and Nepean Electric are common choices.
  • Heating, ventilation, and air conditioning: If you ever notice that your new home is either too hot or too cold, it may be due to an HVAC issue which you’d want to get looked at immediately. Again, while there are several options in Ontario, Husky Air, Air Zone, and Lennox are popular choices.