Cottage insurance that
customers love and trust
We make it easy for you to properly insure your cottage. In fact, cottage insurance policies offered by Square One include guaranteed building replacement cost coverage and comprehensive protection.
Don't just take our word for it. 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 would like to thank our Claims Adjuster, Brad Rotto, for all the hard work he has done while working on our claim. Our unit flooded, and there was a lot of damage done by the flood. However, Brad was very helpful, replying immediately to any question we had (and we had many!), arranging for reimbursements right away and making the entire process uncomplicated and easy to understand. It has been a real pleasure working with Brad. This was one of the rare instances when the reality exceeded the expectations. Thank you, Brad, for the impeccable service and the support received throughout!
I have bought several home insurance policies over the years. Square One was the last and has been the best. I got my house insurance with them for a few years, and now for an apartment that I am buying. You do not need to do any shopping around, and you do not go wrong if you come here directly for a great customer service experience, great coverages, at low price.
Square One insurance is so easy! You can go back and change whatever you like, whenever you like. Very easy to read, no mumbo jumbo that you can’t understand, it’s great, I love it! Thank you Square One, it’s good to know you have my back.
I decided to switch to Square One for our home insurance needs. I love how I can modify my coverage online to see the effect it will have on my premium prior to making the changes. Everything seems so out in the open and the website and quote pages are very user-friendly. Joyce F. was excellent in helping me set up our new policy! She was friendly, knowledgeable, helpful and patient in dealing with all my questions. She got back to me every time she said she would.
Needed to find a new insurance provider as the one I'd been using for years raised premiums by a huge amount for absolutely no reason and with no explanation. So I jumped online and found Square One. The quote process was quick, easy and clear. When I had a question I asked for an agent to call me and they were very prompt in meeting the determined callback time. The chatbot is helpful as well. My quote was significantly less expensive and I have better coverage. I'm already telling all my friends about Square One.
I know only what I've had to learn about home insurance and it is always a daunting process. I felt motivated at 12:55 am to finally go to Google and fight through a quote, and at 1:08 am I got the confirmation email of my new policy. I feel more confident in than any time I've tried to keep up with someone on the phone. The expert opinion line was so appreciated, and it was remarkably easy to customize a policy that will let me sleep easier, starting tonight!
After obtaining quotes from 5+ insurance providers I decided to go with Square One for a simple reason: they offered the coverage I wanted (and then some) for the best price out there. I needed to set up a call to finalize my policy and Carla Campbell was prompt, knowledgeable and courteous. Nobody should ever be excited about insurance, but right now I am.
Square One Insurance: Where service, pricing and trust meet. Excellent customer support every time, no waiting. The best price I have ever gotten for home insurance. Hunter, who helped me today, was terrific. It is nice to get off the phone and it has all gone perfectly. I'm so glad I made the switch to a company that knows what it is doing! Square One is that company. Ten stars!
I was very satisfied with the outcome of my claim and the support received throughout. My apartment flooded when a radiator cracked. We had to leave for 9 days and many personal belongings were destroyed. This was the first time I'd ever needed to make any type of insurance claim, and I expected the worst. However, Lisa was very helpful, arranging for reimbursement for accommodations right away and helped me to recoup on the content losses from the flood. I would recommend using Square One for renters insurance.
I had to update my home insurance as we added a garage and an all-season gazebo to our house. Instead of being on the phone with an agent I could do the whole process through my online account. It took me not even 10 minutes and was so easy! I have referred Square One already several times because of their fair pricing and great online presence. I am just glad I have found them.
Six reasons why you'll love Square One
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 policies from Square One represent the highest level of protection currently available in Canada. 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 bylaw or code changes.
Guaranteed 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 rebuild your home, even if the cost of doing so exceeds your limit of insurance.
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.
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 over 90% of all claims submitted.
Interest-free monthly payments
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.
Learn how you’re protected
with Square One
When you buy contents 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.
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 form the basis of your building limit. You'll then have the option of insuring any detached structures on your property as well as landscaping, fences and gardening equipment.
Condo coverages. With Square One, you get the best condo (or strata) insurance in Canada. You know that saying, “You get what you pay for?” It’s true. Our policy may cost a little more, but it’s there when you need it. Our optional Condo Owners Protection coverage includes:
Blanket coverage for all condo damage: You select a single limit that covers damage to your unit and its improvements, deductibles assessed against your unit by your condo corporation (including those for water damage and sewer backup), and other amounts assessed for shortfalls in the corporation’s master policy.
Expert review of your needs: Send us your condo corporation's commercial insurance policy and we’ll determine what you need to be properly protected.
Legal advice helpline: Have an issue with a building bylaw or a noisy neighbour? Our policy includes unlimited access to a legal advice helpline for any condo-related issue.
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.
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.
Hail: This deductible applies to each insured loss resulting from a 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: