The right policy type
to meet your needs

Making the right decision

Choosing the right policy type

When you’re looking for home insurance, it’s important you choose the right policy. Here are some important things to consider:

  • Do you own or rent the home?
  • Do any other families also live in the home?
  • Is it a detached house, condo or apartment, town or row house, or a semi-attached (or duplex)?
  • Is it your primary residence, a rental property, or a vacation property?

Whatever your requirements, Square One offers a range of policy types to meet your needs.

Click on the tabs below to learn more about the various types of home insurance offered by Square One. Don’t see the type of policy you want? Check out the list of other policy types available to you.

Protect your home

Most policies make you pay extra for critical protection you need. And, some policies only protect against specific loss types.

With Square One, you get a comprehensive coverage that protects against all major loss types including break-ins, hail storms and fires. Plus, our policy automatically includes:

House insurance

For as little as $30/month, you can get house insurance from Square One that is personalized to your needs. With us, you choose what to insure so you only pay for what you need.

Traditional home insurance providers force you to buy a pre-packaged policy that’s based on the cost to rebuild your house. For example, if the cost to rebuild your house is $500,000, traditional policies automatically include:

  • $50,000 for a detached garage;
  • $350,000 for personal property; and
  • $100,000 for additional living expenses.

If you don’t have a detached garage and have only $150,000 in personal property, your current provider is charging you for $250,000 of protection you don’t need.

Learn more about house insurance

Condo insurance

Most providers offer the same home insurance policy to condo (and co-op) owners, house owners and tenants. The reality is that you have unique insurance needs as a condo owner. In addition to protecting your personal property, you need protection for:

  • Condo property deductible assessments;
  • Condo property damage assessments;
  • Condo liability damage assessments;
  • Personal and premises liability; and,
  • Unit improvements, fixtures and glass.

For as little as $12/month, you can get condo insurance from Square One that is personalized to your needs.

Learn more about condo insurance

Tenant insurance

If you rent your home, you may be wondering why you need tenant insurance. The simplest answer is going without home insurance can prove to be extremely risky.

While you may not think you have a lot of property to protect, it’s surprising how quickly it adds up when you consider all your possessions. And, protecting yourself against lawsuits for accidentally injuring others is just as important as protecting your property.

Why risk going without tenant insurance when policies from Square One start at $10/month.

Learn more about tenant insurance

Semi-attached (or duplex) insurance

The type of home insurance you need as the owner of a semi-attached (or duplex) home depends on how your ownership (or the title) of the home is registered.

The two most common types of title are freehold or condo/strata and these are described below. There are several other types of titles for duplexes. If you’re unsure what type of title you have on your duplex, check with your local land titles office.

Learn more about duplex insurance

Town (or row) house insurance

Most providers offer the same home insurance policy to town (or row) house owners, house owners and tenants. The reality is that you have unique insurance needs as a town house owner. In addition to protecting your personal property, you need protection for:

  • Condo property deductible assessments;
  • Condo property damage assessments;
  • Condo liability damage assessments;
  • Personal and premises liability; and,
  • Unit improvements, fixtures and glass.

For as little as $12/month, you can get town house insurance from Square One that is personalized to your needs.

Learn more about town house insurance

Get an online quote now

Or, get a phone quote

Call our toll-free number and one of our licensed agents will discuss your needs and provide you with a free quote.

1.855.331.6933

You can also schedule an appointment during our office hours, which are 7:00 am to 5:30 pm (PT), Monday to Saturday.