Pay as little as $10/month
for your tenant insurance

Tenant insurance

Save money on your 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?

See just how affordable tenant insurance from Square One can be by getting an online quote now. Or, call 1.855.331.6933 to get a phone quote. Either way, it only takes 10 minutes to get a personalized quote.

Why Square One

With Square One tenant insurance, you:

  • Decide what specialty property to insure and only pay for what you need.
  • Are protected against all major loss types, including earthquakes, hail and wind storms, and sewer backups.
  • Pay monthly and can cancel at any time.

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.


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

Learn about Square One tenant insurance

Click on the tabs below to learn more about Square One’s unique tenant insurance policy.

Core covers

The most common tenant insurance covers are listed below. For each of these covers, we’ll help you determine what limit of insurance is right for you. Unlike our competitors, we don’t force you to buy protection you don’t need.

  • Personal property: Protects all the “moveable” property you own except some types of specialty property for which you can buy additional coverage. More information on specialty property is provided below.
  • Additional living expenses: Protects against increases in living expenses you incur because your home can’t be lived in. This could be as a result of damage to your home from an insured loss, or an order to evacuate your home due to a sudden and accidental event.
  • Personal and premises liability: Protects you against amounts you are legally responsible to pay because you unintentionally injure someone else or damage their property.

Specialty property covers

Traditional tenant insurance policies include $6,000 of coverage for fur coats. Don’t own any furs? With Square One, you choose what specialty property you want to insure so you only pay for what you need. Choose from the following categories of specialty property:

  • Bicycles and sporting equipment
  • Business property
  • China, silverware and furs
  • Fine art, collectibles and oriental rugs
  • Jewellery and watches
  • Musical instruments
  • Pets and pet-related property
  • Watercraft

Optional covers

You may also want to add the following optional covers to your Square One tenant insurance policy:


Select the deductibles that fit your individual risk profile and budget. The higher the deductible you select, the lower the premium you pay on your tenant insurance.

  • Standard policy deductible: This deductible applies to all types of losses unless otherwise noted below. Depending on eligibility, standard deductible options range from $500 to $5,000.
  • Earthquake deductible: You get to choose from a few different earthquake deductible options. The options are based on a percentage of the total limit of property covers under your tenant insurance policy.
  • Sewer backup deductible: Depending on the type of home and where it’s located, a sewer backup deductible may apply. This deductible may range from $2,500 to $25,000.

Loss types

With Square One, you get a comprehensive policy. That means you’re protected against all types of losses unless they are specifically excluded. For example, loss or damage due to floods, acts of terrorism, and war are excluded from virtually all policies. (Flood insurance is not available in Canada; instead, the provincial and federal governments offer disaster financial assistance programs.)

Where other providers require you to specifically add and pay extra for critical protection you need, we include it automatically. For example, your Square One tenant insurance policy automatically includes:

For complete details on what is and isn’t covered under your tenant insurance policy, please refer to your policy wordings or speak with one of our licensed agents by calling 1.855.331.6933.

Review policy wordings

To better understand what is and isn’t covered under our policy, download and review our sample policy wordings.

When you buy from us, a personalized policy document will be prepared for you. This document will include the limits and deductibles you’ve selected, and those sections for the wordings that apply to you.

Download sample

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