Modern home insurance

Get a tenant insurance quote for as little as $12/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 contents and accidental damage to your landlord’s property

Tenant insurance that customers love and trust

Protect yourself and your possessions with Canada’s only customizable home insurance policy. With Square One, you can personalize your limits, coverages and deductibles. In other words, you choose what to insure and how much to insure it for.

Our policies are fully comprehensive and protect against all major types of loss. And the best part? Policies start from just $12/month. Keep reading to learn more about what makes Square One unique.

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What our customers say
45,632
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.

Excellent online experience.

Very friendly online portal to select and purchase my new tenant insurance policy with Square One. A friend referred me, based on her total satisfaction to date. We both have received our promotional gifts (Amazon gift card for me, and the $25 account credit for her!). The coverage is excellent for my needs, at very good cost (good value for money). Telephone inquiry about one concern was handled promptly, courteously and satisfactorily. Thank you for the good service and product. I feel to be in good hands with Square One.

Aug 28th, 2023
Janet M. Ottawa, ON
Affordable price and competitive policy.

I am very pleased to be able to secure a tenant policy with less hustle. Everything done online without the involvement of any agent as I don't have time to speak on the phone. All the forms filled up are very comprehensive and easy to understand. One of the cheap premiums on the market as well. Great service! Good job.

Jul 7th, 2023
Eric G. St. Albert, AB
Very good service for home business.

Square One is one of the only providers who would cover our in-home pottery studio. They were thorough and requested photos but they covered us. It’s been very easy to update our coverage as the business grows and we add more services and assets, and sales locations. I love being able to do these changes online and have easy access to check my policy. The service has been great so far.

May 2nd, 2023
Alexandra H. Ashcroft, BC
Straightforward and thorough.

Getting tenant insurance has never been this personalized. I enjoyed that you could truly cater to what kind of home you are living in. With a click of a button, the value of your insurance would change so you could see the quote change as you figured out what works best for you. Very intuitive and user-friendly.

Mar 27th, 2023
David C. Toronto, ON
Thank you, Brad!

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!

Jan 19th, 2023
Lyudmyla P. Vancouver, BC
Great home insurance provider.

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.

Dec 28th, 2022
Hossein L. Vancouver, BC
So easy.

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.

Dec 6th, 2022
Tammy A. Courtenay, BC
Excellent customer service!

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.

Sep 22nd, 2022
Darlene S. Leslieville, ON
So happy I found Square One.

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.

Aug 8th, 2022
Karen K. Black Diamond, AB
Beyond simple.

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!

Jun 14th, 2022
Nicole E. Gloucester, ON
Different than other providers

Six reasons why you’ll
love Square One

4.7 out of 5. That’s how customers rate Square One Insurance Services after writing 9,967 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 phone call away.

Superior protection

All Square One policies are comprehensive (all-risk). This represents the highest level of protection currently available in Canada. 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, with no charge for depreciation.

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.

Personalized coverage

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. And, Square One pays out on 90% of all claims submitted in Canada.

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? 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.

Coverages and Deductibles

Learn how you’re protected with Square One

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

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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.


Business property: Protects property that you own or use for profit or compensation, including inventory, tools, computers and other equipment. Items used for both business and personal purposes must be insured as business property. This coverage does not protect business income, operations, or other exposures.

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.


Jewellery 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 and watercraft; business property; fine arts and collectibles; jewellery 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 and financial loss: Protects against financial losses resulting from the theft of your identity. Also protects against expenses incurred to fix your personal credit rating after your identity has been stolen.

Legal protection: This optional coverage provides unlimited access to a telephone helpline through which you can receive legal or tax advice relating to any personal matter, except those relating to automobiles. In some cases, it also protects against legal costs to pursue or defend your personal rights.


Personal property on premises: In most cases, you won't have a lot of personal or specialty property on premises when building a new home or undertaking a major renovation to an existing home. That said; you can insure any "moveable" property you own that will be kept on premises during the period of construction or renovation. This typically includes appliances and household goods. Please note that this does not protect any specialty property, which includes: bicycles, sporting equipment and watercraft; business property; fine arts and collectibles; jewellery and watches; and landlord's property. Once the home is ready for occupancy, you'll have a wider range of personal and specialty property options.

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.


Glass: This policy protects against damage to glass that forms part of your home, including windows and sliding doors, subject to the standard deductible. For a small additional charge, you can eliminate the deductible for glass damage.

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.


Standard: This deductible applies to each insured loss not specifically mentioned earlier. For example, the earthquake deductible, not the standard deductible, applies to each insured loss resulting from an earthquake.
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:

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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Serving British Columbia, Alberta, Saskatchewan, Manitoba, Ontario and Quebec.