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tenant insurance Simplified

Get an online tenant insurance quote in 5 minutes.

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

Home Insurance
Complete protection for your home and personal property

Ottawa tenant insurance from $12/month

Looking for Ottawa tenant 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
13,264
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

tenant insurance customers love and trust

4.7 out of 5. That’s how customers rate Square One Insurance Services after writing 13,264 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.

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 1.613.319.6933 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 Ottawa residents

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

Learning about Toronto

Ottawa, the capital of Canada, has a population of 1,236,000 people, which makes it the second largest metropolitan area in Ontario, and Canada’s fourth largest city.

Ottawa is known for its expansive political and technological industries, as well as its multicultural and diverse population. It has a land area of 2,778 square kilometers, making it Canada’s 4th largest municipality, and just outside of the 250th most populated city in the world.

The Rideau Canal is one of Ottawa’s major historic attractions. The canal is known for its recreation activities such as boat riding, skating, partying and sightseeing. During winter, skaters commute on the canal into the world’s largest skating rink. During the summer, the Rideau Canal is flooded with both private and commercial boats that are used for recreation purposes.

Parliament Hill acts as the linchpin of downtown Ottawa. The Parliament Buildings have incorporated the neo-Gothic structural designs which attract visitors year round. The octagonal Parliament Library is a standout structure, with colorful windows and massive galleries that screen hundreds of invaluable books.

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 Ottawa, Two Small Men, First Rate Movers, and Move Ottawa 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 Ottawa resident, you’ll want to update or obtain a new drivers license to reflect your new address. While there are several different choices, Lowest Rates will give you options for various companies.

  • 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 Ottawa are popular, it’s important to enroll your children as soon as possible. Visit the local 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 Ottawa Public Health to find health professionals and resources.

  • Update your banking information: If the bank you were using prior to your move does not operate in Ottawa, you need to find a bank or credit union that does. While there are several different options, the most common in Ottawa are RBC, TD, and Alterna Savings.

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 Ottawa, however the more common companies are Shaw Communications, VMedia, and Rogers.

  • Hydro, electricity, and gas providers: Just like cable and phone services, you can’t operate your home without necessary accounts with hyrdo, electricity, and gas companies. While there are several options available in Ottawa, Hydro Ottawa 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. There are hundreds of options in Ottawa, but Artistic Landscape Designs and Jonathan Robert Landscape are common choices.

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 Ottawa, 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 Ottawa 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 thing’s 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 Ottawa, Electrical Guy, Richard Salter Electric, and Ring 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, or alert your landlord. Again, while there are several options in Ottawa, Climate Works, Advanced HVAC, and Reliance Holmes are popular choices.