Protect yourself and your possessions with Canada’s first customizable tenant insurance policy. With Square One, you can personalize your limits, coverages and deductibles. In other words, you choose what to insure and how much to insure it for.
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.
I spoke with Lily Yeung, this was my first time ever calling about tenant insurance and she made my experience amazing. She was super helpful and she even repeated herself a few times, so my boyfriend can input his opinion on what prices we should have. She even broke down some of the difficult things to explain them to me better so I would understand. She helped me out with advice on what I should get and was overall so helpful. She has such a nice approach and voice
I was frustrated with my current provider's pricing and coverage options. In looking online for the options that I need, I came across Square One and was very impressed with the ease of choosing my insurance needs as well as the excellent price that went with it! Hopefully, I will not have to give a report on a claim but the reviews of those that did, show it is smooth and the company is helpful if it should happen. I enjoy the peace of mind that I am covered at a reasonable price.
The process was quick and easy to get an online quote. Very reasonable and competitively priced insurance. The reviews were far better than their competitors. The company demonstrates great customer service and is completely transparent. Overall a wonderful experience, which isn’t usually a term associated with insurance, period.
So glad I discovered Square One. The quote I received was considerably less than what I had already been paying that I thought it was too good to be true. I called and spoke to a very nice woman who went through the entire quote with me. It was very easy to understand and not riddled with insurance jargon. At the end of the day, I have saved over $150 a month! Plus I have better coverage!
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.
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.
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!
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.
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.
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.
4.7 out of 5. That’s how customers rate Square One Insurance Services after writing 11,660 reviews. And with an A+ rating from the Better Business Bureau, people clearly love the way we’re changing tenant insurance.
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 phone call away.
All Square One policies 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, with no charge for depreciation.
Our tenant insurance policies 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.
All policies protect most common personal property items including laptops, smartphones and furniture. If you own specialty property (such as bicycles or sporting equipment) you can also add coverage to your policy. That way, you only pay to insure what you actually own.
Making a claim with Square One is easy. In fact, most of the process can be done online. We’ll provide a 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.
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 change your payment preferences through your online account.
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.
When you buy tenant 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.
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.
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.
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.
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.
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.
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.
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: