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tenant insurance Simplified

Get a tenant insurance quote for as little as $12/month

Protecting your stuff is important, but so is your free time. Don’t worry! A personalized tenant insurance quote can be yours in 5 minutes. That’s less time than you spend waiting in line for coffee.

Complete protection for your contents and accidental damage to your landlord’s property

The best way to protect the things you love

Protect yourself and your belongings with Canada’s first customizable tenant insurance policy. With Square One, you choose your limits, your coverages, and your deductible. Why pay to insure stuff you don’t own?

Common property that everyone has – like electronics, clothes, and furniture – is always protected. Our policies are fully comprehensive and protect against major types of loss, including theft, fire, and even accidental damage. Forgot your phone at the coffee shop? Protected. Spilled tea all over your laptop? Protected. Dropped your smart watch into the bathtub? Yup, that’s protected, too.

The best part? Policies start from just $12/month. Keep reading to learn more about what makes Square One unique.

What our customers say
13,311
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

Six reasons why you'll love Square One

4.7 out of 5. That’s how customers rate Square One Insurance Services after writing 13,311 reviews. And with an A+ rating from the Better Business Bureau, people clearly love the way we’re changing home 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 are comprehensive (all-risk). This represents the highest level of protection currently available in Canada. We make it easy for you to protect your things from common perils (such as water damage and theft). And, we protect your belongings on a replacement cost basis, which means you’re covered for the full cost of replacing your stolen or damaged stuff.

Liability coverage included

Tenant insurance policies from Square One also protect against accidental personal and property damage to others. So, whether your neighbour slips on your porch or you hit a stranger with your golf ball on vacation, you can rest assured that Square One has you covered.

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. And, with standard deductible options ranging from $250 to $5,000, you’ll build the policy that fits your life.

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.

Low-maintenance

We’re all about making things easy for you. You can choose to pay monthly or annually, and you can cancel your policy any time with no penalty (though we’re pretty sure you won’t want to). If you move, your policy moves with you. If you buy a home someday, switching to a homeowner’s policy is a breeze.

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 tenant insurance from us, the experience is straightforward from quote to claim. View the sections below to learn about the coverages, deductibles, protection and claim service offered by Square One. You can also download sample policy wordings.

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 for contents that’s not reflective of how much stuff you actually own. 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. And with deductibles as low as $250, you can choose the perfect amount of coverage for you.

Bicycles, sporting equipment and watercraft: This optional coverage protects any personal and portable equipment used for athletic or recreational activities. This includes cycling, equestrian, fishing, golf, hang-gliding, hockey, hunting, paragliding, shooting, skating, skiing, snowboarding, surfing and windsurfing. It also protects commercially manufactured boats, canoes and kayaks. Any watercraft must be no more than 20 feet in length and, if motorized, must have no more than 100 horsepower in total. And, it protects related property like accessories, equipment and trailers.


Business property: This optional coverage protects any property that you use as part of your trade, profession or occupation. If used for both business and personal purposes, it must be insured as business property. Note that this coverage does not protect business operations/exposures in any other way.

Fine arts and collectibles: This optional coverage protects visual art, including paintings, sculptures, drawings, limited edition prints, and other pieces that cannot be easily replaced, like hand-woven or hand-knotted rugs or carpets made in Asia. It also protects any items collected as a hobby, for display, or as an investment, whose value may appreciate, including sports card collections, first edition books, and coin collections. And, it protects any porcelain ware, plates, cups, saucers that are used on special occasions; eating and serving utensils made of silver that are also used on special occasions; and figurines made of porcelain or ceramic material.


Jewellery and watches: This optional coverage protects objects designed for the adornment of the body, including necklaces, bracelets, rings, earrings, watches and precious stones.
Personal property: This mandatory coverage protects all the other "moveable" property you own. This includes appliances, household goods, electronics, furniture and clothing in your home, garage and storage unit. This coverage 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.

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

Additional living expenses: This mandatory coverage protects against increases in living expenses you incur because your home can't be lived in. This could be a result of damage to your home from an insured loss or an order to evacuate your home as a result of a sudden and accidental event.


Identity theft and financial loss: Protects against financial losses resulting from the theft of your identity. Also protects against expenses incurred to fix your personal credit rating after your identity has been stolen.

Legal protection: This optional coverage provides unlimited access to a telephone helpline through which you can receive legal or tax advice relating to any personal matter, except those relating to automobiles. In some cases, it also protects against legal costs to pursue or defend your personal rights.

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.


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.

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.


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.
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.

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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