contents insurance Simplified

Get a contents insurance quote for as little as $10/month

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

Complete protection for your personal property and liability

Contents insurance that customers love and trust

If you rent your home, it important to have contents insurance. Losing your possessions to a break-in, burst pipe or fire is heartbreaking. It also protects you against lawsuits for accidental injury to others, or accidental damage to your landlord’s property.

With policies starting at just $10/month, it’s easy and affordable to make sure you can replace the things you love. Continue reading to learn more.

What our customers say
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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

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

Our policies represent the highest level of protection currently available in the United States. We make it easy for you to protect your home against common perils (such as water damage and theft) and we even cover the costs of rebuilding your home to meet the latest changes in ordinance or law.

Extended building replacement coverage

Get the peace of mind you deserve. Simply insure your home to Square One’s suggested limit and, if you experience a loss, we’ll include up to 50% extra in the event rebuilding your home exceeds your limit of insurance.

Personalized coverage

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.

Online claims portal

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.

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 $10/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 contents 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, firearms and watercraft: ​This optional coverage protects firearms of any description, and 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 25 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.


Jewelry 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, firearms and watercraft; business property; fine arts and collectibles; jewelry 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 resolution and expense reimbursement services: Protects against expenses incurred to restore your personal credit file after your identity has been stolen.

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.

Sewer backup: This deductible applies to each insured loss resulting from a sewer backup. If this deductible applies, you may be presented with a couple options.
Standard: This deductible applies to each insured loss not specifically mentioned earlier. For example, the sewer backup deductible, not the standard deductible, applies to each insured loss resulting from a sewer backup.
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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