home insurance Simplified

Get a personalized home insurance quote for as little as $10/month

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.

Complete protection for your home and personal property

Home insurance that
customers love and trust

Square One Insurance Services offers the only home insurance policy in North America that can be personalized to your individual needs. We provide a broad range of options that will meet virtually everyone’s unique circumstances. After writing 11,694 reviews and rating Square One 4.7 stars out of 5, it’s clear customers love the way we’re changing home insurance.

Unlike traditional home insurance providers, you’re not forced to buy protection you don’t need or want. If you are a home owner but do not have a detached garage, for example, you can choose not to add protection for detached structures to your policy.

Provided below is information on the various coverages and deductibles our home insurance policy offers, and the loss types it insures against. 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.

What our customers say
11,694
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

Protect all your favorite 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.

Coverages and Deductibles

Learn how you’re protected
with Square One

When you buy home insurance from us, the experience is straightforward from quote to claim. Learn more below about the coverages, deductibles, protection and claim service offered by Square One. You can also download sample policy wordings.

House coverages. Your house is probably the largest asset you own. So, properly protecting it is really important. Our system will help you determine the estimated rebuild cost for your house, which will be your building limit minimum. You’ll then have the option of insuring any detached structures on your property as well as landscaping, fences and gardening equipment.

Building: This coverage protects, on an extended replacement cost basis, the main structure of your house as well as attached garages, swimming pools and hot tubs. It also provides protection against additional costs due to changes in ordinance or law.
Detached structures, fences and landscaping: This optional coverage protects any structures located on the property that are not attached to your house, including carriage homes, docks, garages, gazebos, workshops and sheds. It also protects all trees, shrubs, lawns, fences, retaining walls, rockeries, and anything else that improves your home's curb appeal. Note that patio furniture is considered personal property.

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.
Rental income: This optional coverage protects lost rental income from any portion of the home that is rented to others and rendered uninhabitable due to damage from an insured loss.

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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