The best way to protect the things you love
Protect yourself and your belongings with North America’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 $10/month. Keep reading to learn more about what makes Square One unique.
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.
Kevin is a true pleasure to work with! He is very professional, effective, knowledgeable and most importantly, genuinely cares about his customer. This is the first claim I have ever made. He explained everything in great detail and answered all my questions with patience and even shared some tips on how to prevent this from happening again. I felt I was talking to a friend in the end. With Kevin's help, I replaced the laptop shortly after the claim was made, and the school work was not affected. Thank you, Kevin. You made a difference in my life! I'm glad I chose Square One.
As I filed my very first insurance claim, I was a bit skeptical and worried at the time. As I dealt with Square One, this predetermined notion was absolutely not warranted. Our adjuster Kevin was very professional and responsive to all of our questions and concerns in handling the claim. Thank you Square One! For those who are on the fence, I give my absolute satisfactory approval with them. They might not be the cheapest but they will deal with your claim most fairly.
The Square One agent who helped me open my policy was friendly, informed, and helpful. She walked me through each phase of the paperwork, patiently explained those aspects of the policy that were unfamiliar to me, and provided information that supported my decision making. Very professional and a delight to talk to.
Six reasons why you’ll
love Square One
4.7 out of 5. That’s how customers rate Square One Insurance Services after writing 13,264 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 webchat or phone call away.
All Square One policies are comprehensive (open-perils). This represents the highest level of protection currently available in the United States. 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
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.
Online claims portal
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.
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.
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.
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. Or, learn about all the discounts and savings you can receive at Square One.
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.
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.
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.
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.
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: