Most policies make you pay extra for critical protection you need. And, some policies only protect against specific loss types. (See below for more information.)
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:
And if you’re a house owner, you automatically receive guaranteed building replacement cost coverage as well as unlimited protection for additional costs incurred due to building code changes.
Sadly, the insurance industry has a bad reputation. Many people think that insurance companies try to find ways to deny claims. In reality, most people simply don’t have the right protection. Traditional insurance providers most commonly offer the following three types of home insurance policies:
It’s confusing, right? Be sure to check that you actually have comprehensive protection with your policy. If you don’t, you’re not fully protected and will be disappointed if you have a claim.
Even if you have a comprehensive policy, you often need to specifically add and pay extra for critical protection you need. In fact, most traditional policies don’t automatically provide earthquake protection , nor do they provide the broadest water protection available. They also don’t provide enough protection in the event that there are additional costs to rebuild your home to current building codes, which means you could be out of pocket for tens of thousands of dollars. In all cases, you have to pay extra to be fully protected.