home insurance Simplified

Get an online home insurance quote in 5 minutes.

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.

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Complete protection for your home and personal property

Quebec home insurance from $12/month

Looking for home insurance? You've come to the right place. Square One offers the only policy in North America that can be personalized to your individual needs. That means you decide what to insure, so you only pay for the protection you need. You also get to choose from a wide range of coverage and deductible options.

Want to specifically find condo, homeowners, or tenant insurance in Quebec? Once again, you've come to the right place. Use the links below to get a quote and purchase the type of insurance you need.

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What our customers say
38,871
Verified reviews

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.

Different than other providers

home insurance customers love and trust

4.7 out of 5. That's how customers rate Square One Insurance Services after writing 38,871 reviews. And with an A+ rating from the Better Business Bureau, people clearly love the way we're changing home insurance.

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

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.

Personalized coverage

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.

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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.

What you really want to know

How are claims handled?

The insurance industry doesn't have the greatest reputation when it comes to claims. Many people fear their insurer will go to any length possible to avoid paying claims. At Square One, we’re different. We're there when you need us most.

How different? Legal jargon can be confusing, so we've created a transparency page to translate the legal language of your policy into plain English.

We're committed to changing how you think of insurance. We'll make sure your claim is handled quickly and fairly.

See Our Transparency Page
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The right protection from day one

The biggest problem with making a claim is not having the right protection. With a policy that's tailored to your needs, you get the best protection possible.

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Two-hour emergency response

We guarantee a fast response when you need it most. Not an emergency? No problem. Your adjuster will still be in touch within one business day. It's your home, and your stuff, so we keep you in the loop.

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One point of contact

A single dedicated adjuster works with you from start to finish. Without the need to repeat the details of your claim, you'll be back on your feet in no time.

Thousands choose us every month

Recently purchased policies

5 steps to get a quote

In 5 minutes, you can get a free quote online.

  1. Specify the location you are insuring
  2. Describe the home's characteristics
  3. Provide some basic information about yourself
  4. Choose what you want to insure
  5. Get your premium

Love your quote? Buy online or save for later. Or, call 1.855.331.6933 for assistance.

How customers personalize their policies

Provided below are statistics on the percentage of Square One customers that add each class of specialty property to their policies.

  • 18% insure jewellery + watches
  • 8% insure bicycles + sporting equipment
  • 7% insure musical instruments
  • 6% insure fine arts, collectibles + oriental rugs
  • 5% insure business property
  • 3% insure china, silverware + furs

Resources for Quebec residents

Provided below are some basic resources for those who may be new to Quebec. We’ve included some background information on the province, plus tips for getting settled after you’ve moved.

Learning about Quebec

Quebec is Canada’s largest province by area, and second largest by population, with 8.5 million people calling the province home.

Quebec is unique in Canada in being the only province with a majority French-speaking population—and a huge majority at that. 94% of Quebec’s residents report knowledge of French, compared to just 52% for English; 47% of Quebecers speak French exclusively. French is Quebec’s official language, and provincial laws designate French as the first (or only) option in many instances, from advertising to government services. English speakers have a right to receive some services (like health care or social services) in English, however.

Quebec forms a major part of Canada’s economy. Quebec’s main industries include aerospace, power generation, manufacturing, and mining. Many of Canada’s largest companies are based in the province, including Bell, CN Rail, Bombardier, and Saputo.

Quebec City is the capital of the province, but Montreal is its largest city—almost half the residents of Quebec live in Greater Montreal, which includes neighbouring cities like Laval and Longueuil.

Planning a move

Moving is never fun, but you can make it easier on yourself with careful planning.

One thing to note about moving in Quebec: July 1 is moving day. Most residential leases in Quebec expire after June 30, so July 1 is a hectic day. Especially in Montreal, which sees thousands of residents moving in and out, signing new leases, and setting up new home insurance every July 1.

To make things easier, here are some things you might find helpful in planning your move to Quebec:

  • Choosing your movers: Depending on how far you’re moving and how much stuff you have, you may or may not decide to hire a moving company. If you’ve got a squad of friends or family members ready to help, maybe you’ll be okay. But if you’d prefer to let the professionals handle it, there are plenty of moving companies in Quebec. Déménagement Total, Two Small Men, and Le Plan Pas Con are all possible options.
  • Getting your supplies: Boxes, tape, labels, bubble wrap, and maybe a handcart—you’ll need some or all of these items during the packing and moving process. Companies like La Cartonnerie in Montreal offer boxes and other moving supplies for sale.
  • Packing your stuff: There’s an art to packing for a move. Think about how and when you’ll need things, and try to pack essential items separately so they’re easy to pull out immediately after the move is done. Kitchen utensils, clothing, bedding, and other everyday items should be easy to grab after you’re done moving into your new home.
  • Keeping your receipts: If you’re moving for work, you’ll be able to claim your moving expenses on your tax return as long as you meet certain requirements.

Getting oriented

Once you’ve moved into your new home, it’s time to take the lay of the land. Here are some administrative tasks you’ll need to handle in getting settled in Quebec:

  • Update your driver’s license and car insurance: There’s a short grace period for getting your Quebec driver’s license, but it’s best to get it updated right away. Contact the Société de l’assurance automobile du Québec (SAAQ) to set up an appointment to do so. For car insurance, Quebec has a hybrid public/private system. All Quebecers are covered in certain cases under the public plan, but drivers need to buy private insurance, too. See if your existing provider operates in Quebec; you might be able to simply move your policy. Otherwise, try a comparison site like LowestRates to get started.
  • Update your address: You can set up mail forwarding to your new address through Canada Post. You’ll also need to update or register your address with multiple government agencies. You can update them all at once by contacting the Service québécois de changement d’adresse (SQCA).
  • Find schools, daycares, and doctors: You can get information about enrolling children in school from the Central Quebec School Board. Childcare is overseen by the Ministère de la Famille, which maintains a search function for childcare by area. For healthcare, you’ll need to register for public health insurance, and then find a family doctor.
  • Update your banking information: If your bank operates in Quebec (and the Big Five banks all do) then you’ll simply need to inform them of your move. If you need to switch banks, Laurentian Bank and the National Bank of Canada are two other banking options in Quebec.

Setting up your home

Your home won’t be too homey without electricity or internet. Here’s how you can get various utilities set up in Quebec:

  • Cable, internet, and phone: You can usually get all your telecommunications services in a bundle from a single provider, which is often the most cost-effective method. Bell is the largest telecom provider in Quebec, and offers internet and television, plus both home and mobile phone services. Videotron is another provider offering the same. Cogeco is an option for internet, TV, and home phone.
  • Hydro and gas: Hydro Quebec provides electrical service in Quebec. There are two distributors of natural gas: Énergir and Gazifère.
  • Home insurance: Make sure your new home and all your stuff is well protected. You can get a home insurance quote online from Square One. If you own your new home, you’ll need homeowners insurance. If you rent your home in Quebec, you’ll need tenant insurance. Fun fact, over 60% of homes in Montreal are occupied by tenants!

Making repairs to your home

If something goes wrong at home, you’ll want to have contacts available to help set things right again. Here are some resources to help get your home systems repaired (just in case):

  • Plumbing: You’ll undoubtedly find myriad options for local plumbers no matter where you live in Quebec. Here’s a list to get you started.
  • Renovation: If your new home has any lingering issues (or you just want an upgrade), get in touch with a construction and renovation Or, if you’d prefer the DIY touch, check out our home improvement resource centre.
  • Electrical: Electricians in Quebec must be accredited with the CMEQ. However, there are plenty of certified electricians in the province; here’s a list to get the search started.
  • HVAC: If your heating, cooling, or ventilation systems are acting up, don’t wait—get a technician over to take a look as soon as you can. There are many HVAC contractors in Quebec; PolarBear and Celsius are two options.