Compare home insurance providers in BC

Not all home insurance policies are created equal. So, it’s important to compare what’s offered by different home insurance providers. To help with this comparison, we’ve compiled information on five common providers in BC. Information is included on the degree of personalization, the type of protection, and the range of savings offered by each provider.

While every effort is made to keep this comparison up-to-date, it is subject to change without notice. Please contact your home insurance provider if you have specific questions about your policy. Or, call 1.855.331.6933 to speak with a Square One agent. Our office is open 5:00 AM - 6:00 PM (Monday - Saturday). In addition to answering any questions you may have, we can also provide you with a free comparison quote.

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About us

The professionals that started Square One have more than a combined 100 years of experience in the insurance industry. They recognized that traditional home insurance wasn’t meeting the needs of customers. So, they designed a new program from scratch. As a result, you can now:

  • Choose exactly what you want to insure
  • Buy directly online or save for later
  • Get instant coverage the minute you buy
  • Pay monthly with no contract
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Comparison quotes

Industry experts recommend that you get comparison quotes every three years because:

  • New providers enter the market
  • Existing providers change their policies
  • Your needs change over time
Getting comparison quotes used to mean spending hours speaking to agents. Now, many providers offer online quotes. In fact, an online quote from Square One Insurance Services takes 5 minutes.
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Why us

With Square One, you get a knowledgeable team, fast service, excellent protection, great prices and more...

  • A+ rating with the Better Business Bureau
  • Over N/A happy customer reviews online
  • Get your quote in 5 minutes
  • No long-term contracts
  • Option to pay monthly at no extra cost
  • Dedicated 24/7 emergency claims line
  • Claims are handled fairly and promptly

Personalize your policy to your needs

Most home insurance providers offer pre-packaged policies that cover a wide-range of property. For example, you automatically get 10% of the building limit for detached structures (whether you have any or not). Other providers, like Square One, let you choose what property to insure so you only pay for what you need.

Provided below is a comparison of the types of property insured and limits of insurance offered by each major provider in BC. This comparison is based on a house with a $500,000 rebuild value. After reviewing the comparison, decide whether a pre-packaged or a personalized policy is right for you.

Square One Aviva BCAA Intact RBC
Detached structures Optional $75,000 $50,000 $50,000 $75,000
Personal property $25,000+ $400,000 $350,000 $400,000 $400,000
Specialty property
Audio + video media Personal property $1,000 $1,000 $3,000 $1,000
Bicycles Optional $1,000 $1,000 $3,000 $1,000
Business property Optional $2,000 $2,000 $2,000 $2,000
China Optional $10,000 $6,000 $6,000 $10,000
Collectible cards Optional $5,000 $2,500 $8,500 $2,500
Coin collections Optional $5,000 $2,500 $8,500 $2,500
Computers Personal property $5,000 $2,500 $8,500 $2,500
Fine arts Optional Personal property Personal property Personal property $10,000
Square One Aviva BCAA Intact RBC
Garden-type tractors Personal property $5,000 $2,500 $2,500 $2,500
Jewellery + watches Optional $6,000 $10,000 $7,500 $6,000
Manuscripts + stamp collections Optional Personal property Personal property $10,000 Personal property
Money (including cash cards) Not covered Personal property Personal property $10,000 Personal property
Oriental rugs Optional Personal property Personal property $10,000 Personal property
Silverware Optional Personal property Personal property $10,000 Personal property
Sporting equipment Optional Personal property Personal property Personal property Personal property
Student’s property Personal property $10,000 $3,000 $1,000 $1,000
Watercraft Optional $2,000 $3,000 $1,000 $3,000
Additional living expenses $10,000+ $125,000 $150,000 $100,000 $125,000
Personal and premises liability $500,000+ $1,000,000+ $1,000,000+ $1,000,000+ $1,000,000+
Square One Aviva BCAA Intact RBC
Not all providers classify specialty property in the same way. Some providers may classify certain types of specialty property as personal property. Moreover, they may not cover certain types of specialty property at all. And finally, the limit for specialty property may only apply for losses resulting from burglary, mysterious disappearance, theft, etc. For complete details, please refer to the policy wordings for each provider.
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Protect against break-ins, fires and more

When buying home insurance, it’s important to determine what type of policy is being offered by the provider. The three types of policies available are:

1. Comprehensive: Protects against all types of loss except for those specifically excluded in the policy.

2. Named perils: Protects against only specific types of loss listed in the policy.

3. Broad form: Protects building on a comprehensive basis and personal property on a named perils basis.

Comprehensive policies offer the best protection and named perils policies offer the worst protection. That said; not all comprehensive policies are the same. In some cases, you are charged extra for critical protection against certain loss types. The chart below compares the policy and loss types offered by each provider.

Square One Aviva BCAA Intact RBC
Policy type
Comprehensive (Best) Included Optional Optional Optional Included
Broad form Not offered Optional Optional Optional Not offered
Named perils (Worst) Not offered Optional Optional Optional Not offered
Loss type
Earthquake Optional Optional Optional Optional Optional
Inland (freshwater) flood Optional Optional Optional Optional Not offered
Water backup Included Optional Optional Optional Optional
Water from external drains Included Included Optional Included Included
Hail Optional Included Included Optional Included
Square One Aviva BCAA Intact RBC
Inland (freshwater) flood may not be available in all areas of the country. Where it is available, some providers include the coverage automatically and others offer the coverage optionally. It’s also important to note that no home insurance provider in Canada currently offers protection against coastal (seawater) flood.
It only takes 5 minutes

ready for an online quote? 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.

Before you start, please review our Privacy Policy and Terms of Use.

Save with discounts and deductibles

Provided below are the most common discounts offered by home insurance providers. While some providers list discount amounts on the policy, others simply incorporate them into the final premium. Either way, you’re still receiving the same savings.

Selecting a higher deductible is another way that you can save money. A deductible is the amount that you are responsible for paying before your policy will respond. With some providers, you can save up to 30% by selecting a higher deductible.

Square One Aviva BCAA Intact RBC
Discount
Age-related 45 years+ 26 years+ 45 years+ 50 years+ Included
Claims free 3 years+ 3 years+ 3 years+ Variable Included
Home age Included Variable Variable Variable Included
Mortgage free Included Variable Unknown Variable Variable
Deductible
Standard $250 to $5,000 $500 to $2,500 $500 to $2,500 $500 to $2,500 $500 to $5,000
Earthquake 5% to 50% 5% to 15% 5% to 15% 5% to 15% 5% to 10%
Square One Aviva BCAA Intact RBC
A range of percentages has been shown for the earthquake deductible in the comparison. This percentage applies to the limit of earthquake protection purchased. For example, if you have $900,000 of earthquake protection, then a 5% deductible equals $45,000. That means you must pay the first $45,000 of any earthquake-related damage. In addition to the deductibles listed above, your policy may be subject to several other deductibles. For example, there may be specific deductibles for losses from crime, water backup, and hail losses. Or, there may be deductibles for losses due to your home’s electrical or plumbing systems.
What our customers say
72,203
Verified reviews

Don’t just take our word for it. Here are some of the reviews that contribute to our average rating of 4.8 stars out of 5. Want to read more? Visit our reviews page.

So easy.

I just insured with Square One, and the major difference is that they make it so easy to do online. The process is accessible, clear, and comprehensive. In a world where admin is so onerous, this was refreshing and so welcome!

Jun 25, 2025
Emma L. Stoney Creek, ON
Excellent service and response.

I don’t typically write reviews, but on this occasion, I have to admit that it is with great pleasure that I write a positive review on the experience I had with Square One and Sam Seha (building adjuster). The heavy wind in the Niagara region literally blew the shingles off the roof of my house. I submitted a claim on May 20, and 8 days later, all has been resolved. Quite impressive to say the least.

May 29, 2025
Sergio A. Burlington, ON
Exceptional service and peace of mind!

I can’t say enough good things about Square One. From the moment I signed up, their team was incredibly helpful, guiding me through the process with clear explanations and no pressure. The coverage options are flexible and affordable, perfectly tailored to my needs. Their customer service is top-notch, always friendly, and ready to answer any questions. I feel confident knowing I’m protected by a company that truly cares about its customers. I highly recommend Square One to anyone looking for reliable car insurance!

Apr 18, 2025
Michele C. Apple Hill, ON
Excellent experience!

I've had a great experience with my insurance agent, Rebecca. The process was smooth from the very beginning — clear communication, quick responses, and genuinely helpful support. She made it easy to understand my coverage and always took the time to answer my questions without rushing. Reliable, trustworthy, and client-focused — I would definitely recommend them to anyone looking for solid car insurance and great advice!

Apr 12, 2025
Nada L. Nepean, ON
The best!

By far the best insurance provider I have dealt with. I am so glad to have found Square One and to be a client. Today, I dealt with Himalee Jayasooriya by telephone and she was so knowledgeable, pleasant, and helpful. This meant a lot to me being a senior, and she easily and quickly expedited all my car insurance needs. No nonsense, just great service and a great product.

Apr 5, 2025
Eugene N. Tillsonburg, ON
Quick, clear and friendly service at an unbeatable price!

I completed the comprehensive online application for only home insurance as I do not drive. It took a while covering pretty much everything I could think of. The given price of the premium was almost unbelievable. So much so, that I felt I needed to follow up with a phone call. I spoke with a rep that was very knowledgeable, and helped me along with reasonable suggestions and provided recommendations, ensuring the apples to apples coverage. I was extremely pleased with the price of the premium that was a staggering $748 less than my current insurance provider! Thanks so much Square One!

Apr 4, 2025
Angela A. London, ON
The online purchasing insurance experience is thrilling!

I recently purchased condo insurance from Square One online, and the experience was fantastic. The process was straightforward, user-friendly, and incredibly efficient. The ability to customize my coverage and get everything done quickly without hassle was a big plus. Highly recommend to anyone looking for a smooth and transparent insurance buying experience!

Mar 28, 2025
Eric Y. Toronto, ON
Such an impressive service - with seamless technology!

This was the smoothest online buying experience I have ever had. Before Square One came to my attention, I suffered through a number of long-winded and frustrating review processes with other brand name insurers, only to be informed at the end of the process that they do not provide short-term renters insurance! Square One not only provides very cost-effective coverage, but the process was exceptionally painless. Highly recommended!

Feb 18, 2025
Jill B. Toronto, ON
Friendly, affordable & seamless.

These guys are terrific! The entire online experience of purchasing was the easiest ever, and they blow the 'big guys' out of the water! The customer reps are exceptionally friendly, kind, and patient... I can't even begin to tell you. I also dealt with Rachel LaHay... she was outstanding and deserves a raise, recognition, and promotion. Not to mention, Square One is the cheapest quote I saw anywhere in Toronto. Thanks guys!

Feb 11, 2025
Dana B. Toronto, ON
Who woulda thunk it?

This entire process was the most painless I've experienced while getting auto insurance. The two folks I spoke with, Eran and Stephanie were delightful and absolutely helpful. 10/10 would do it again.

Feb 4, 2025
Michelle P. Hamilton, ON
you’re in good company
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