Get a home insurance quote in less than 15 minutes.

Town house insurance from $20/month

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 also need protection for: insurance-related assessments made against you by your condo corporation; and, improvements or upgrades made to your unit by you or a previous owner.

For as little as $20/month, you can get personalized town house insurance from Square One. Continue reading to learn why Square One is right for you.

Stopwatch

Protect all your favourite things

Our policy provides blanket coverage for your common personal property. You can also add coverage for your specialty property. When you're happy, you can buy online with just a few clicks. Or, speak with an agent for extra peace-of-mind.

Price tag

Only pay for what you need

Most 'pre-packaged' policies automatically charge you to insure items like fur coats, gold bullion and rare collectibles. Don't own these items? Then you don't pay to insure them with us. (But if you do have furs or collectibles, we can help you insure them.)

Heart

Loved and trusted by Canadians

With 2,068 reviews from happy customers and an A+ rating from the Better Business Bureau, the way we're changing home insurance is getting a resounding thumbs up. Click here to read some of the reviews our customers have written.

Lock

All critical protection included

If the unexpected happens, you don't want to be caught without the right coverage. Square One policies automatically protect against all major types of loss, including: break-ins, burst pipes, earthquakes, fires, hail storms and sewer backups.

Lightning

Need to make a claim? That's easy!

It's traumatic enough when something you love is lost or damaged, so we make sure the claim process is simple and straightforward. We're on your side, guiding you through the process from start to finish. See below to find out how we make this happen.

Calendar

Pay monthly with no contract

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 policy online at any time.

Learn about Square One town house insurance

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

Condo-related covers

The most common condo 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.

  • Condo property protection: This cover is included automatically to protect against amounts you are assessed for loss or damage to common property when your condo corporation's insurance is insufficient.
  • Condo improvements, fixtures and glass: This optional cover protects any upgrades, additions or alterations made to your condo unit after it was originally built, whether made by you or a previous owner. It also protects any countertops, flooring, glass or other fixtures in your unit that you are responsible for insuring under the bylaws of your condo corporation.

Personal and specialty property covers

Traditional condo 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:

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 and sporting equipment: This optional cover protects any personal and portable equipment used for athletic or recreational activities, including cycling, equestrian, fishing, golf, hang-gliding, hockey, hunting, paragliding, shooting, skating, skiing, snowboarding, surfing and windsurfing.
  • Business property: This optional cover protects any property that you use as part of your trade, profession or occupation. If used for both business and personal purposes, it must be insured as business property. Note that this cover does not protect business operations/exposures in any other way.
  • China, silverware and furs: This optional cover 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; figurines made of porcelain or ceramic material; and, furs and fur-trimmed garments.
  • Fine arts, collectibles and oriental rugs: This optional cover protects visual art, including paintings, sculptures, drawings, limited edition prints, and other pieces that cannot be easily replaced. 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 finally, it protects hand-woven or hand-knotted rugs or carpets made in Asia.
  • Jewellery and watches: This optional cover protects objects designed for the adornment of the body, including necklaces, bracelets, rings, earrings, watches and precious stones.
  • Musical instruments: This optional cover protects devices designed to make musical sounds, including guitars, pianos and saxophones.
  • Watercraft: This optional cover 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. It also protects related property like accessories, equipment and trailers.
  • Personal property: This mandatory cover 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 cover does not protect any specialty property, which includes: bicycles and sporting equipment; business property; china, silverware and furs; fine arts, collectibles and oriental rugs; jewellery and watches; landlord’s property; landscaping, fences and gardening equipment; musical instruments; and watercraft.

Other covers

There are a few other covers that are essential to any insurance policy, including liability protection.

  • Additional living expenses: This mandatory cover 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: This optional cover protects against financial losses you incur and expenses to fix your personal credit rating after your identity has been stolen.
  • Legal protection: This optional cover 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 and premises liability: This cover protects against amounts you are legally responsible to pay for unintentional injury to someone or damage to their property arising from the ownership or use of your home.

Policy deductibles

A policy deductible is the amount you must pay before your town house insurance policy will respond. For example, if your $2,500 laptop is stolen and the claim is subject to a $1,000 deductible, you must pay the first $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.

Listed 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 covers. 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.
  • 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.
  • Sewer backup: This deductible applies to each insured loss resulting from a sewer backup. If this deductible applies, you may be presented with a couple options.
  • 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.

Comprehensive protection

At Square One, you get a comprehensive (or all-risk) policy. That means you're protected against all types of losses except for those types of loss specifically excluded in the policy. The most common policy exclusions include loss or damage due to coastal flood, terrorism and war. In the case of flood, some providers have started offering protection against inland flood. If your policy does not protect against flood, then you'll need to rely on disaster financial assistance programs offered by the government.

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 policy automatically includes:

For complete details on what is and isn’t covered under your town house insurance policy, please refer to your policy wordings or speak with one of our licensed agents by calling 1.855.331.6933. You can also download sample policy wordings by visiting the next tab.

Policy wordings

If you need a law degree to understand your insurance policy, something's wrong. At Square One, we're changing that with our modern, common sense approach.

To start, we've worked hard to write all policy documents in plain language. According to our customers, our policy documents are the easiest to read in the industry. Next, we personalize your policy documents to what you've bought. That means you'll know exactly what you've insured, the limits and deductibles you've selected, and the premiums you've paid. Finally, you'll understand what specific terms, conditions and exclusions apply.

If you'd like to review the policy wordings before you buy, please feel free to download the sample policy wordings. Please note that every effort is made to keep the sample wordings up-to-date, but your actual policy documents (and wordings) may differ. In cases where differences exist, your actual policy documents will prevail.

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
  • Great prices, easy to use!

    "My fiance and I were just approved to move into an apartment tomorrow and needed insurance today, no hassle and no wait period. I googled insurance in Ontario and Square One popped up right away. I initially went to my bank over the telephone but was given the run around regarding payments, my coverage wouldn't have started until mid-April and the quote was fairly high. I found Square One and I'm so glad I did! Easy to use, amazing price, my coverage starts today and I was able to pay via visa debit (which my bank wouldn't let me do, even if it's their card). Thanks Square One! "

    Liane J. from Fergus, ON on Apr 1, 2016.

  • Easy, fast, and a great price.

    "I got many online quotes prior to discovering Square One. Their website was easy to use and I liked that my quote was the actual final price which I could purchase right there online. For many other insurance providers I needed to talk to a human following the original quote and they always raised it. With Square One the quote did not go higher. They actually advised me on how it could be lower. Finally, the price was 40% less than the closest competitor. Easy to use website, fast service and a great price. "

    Francois L. from Gatineau, QC on Mar 9, 2016.

  • Exceptional experience.

    "The Square One website is unbelievably user-friendly and the pick-your-own coverage product is very different from other insurance companies. I feel this policy is completely tailored to our needs, and I saved us over $300 a year by doing so! My questions were answered quickly and thoroughly through my online chat - I didn't have wait in a queue or anything. I heard about this company through a friend and I will definitely be recommending them to anyone else I know! "

    Jennifer B. from Vancouver, BC on Feb 9, 2016.

  • The best experience by far!

    "Everything from the initial call to receiving documents was done in less then 24 hours. Kevin Gan was a pleasure to deal with, he was informative, knowledgeable and very patient. After a week of websites that took 20 minutes to answer questions just to be told to contact the local agent, agents that never returned calls (one even told me in person that he was closing in 30 minutes and I should come back tomorrow), I was very frustrated. Dealing with Square One was an unexpected pleasure. The best by far! "

    Donald M. from Oshawa, ON on Jan 6, 2016.

  • Great claims service.

    "I had a water pipe bust in our house and there was a lot of damage. I was surprised to see that even at 1am at night I got a call back from the adjuster who was ready to send somebody immediately for remedial work. The entire process from initial demolition to reconstruction was done very professionally and in a couple of months time I was back to where we were originally. I am pleased by the work done by Rupert Pong at the insurance company and the adjuster, Graham, for making the entire process smooth. I would highly recommend this insurance company to everyone. Thank you! "

    Ullah F. from Mississauga, ON on Dec 15, 2015.

  • Best rates and amazing service.

    "I recently did an online quote with Square One Insurance, and was completely shocked to see how much I had been overpaying in the past for home insurance. I figured I would go ahead and give them a call to see about having a policy for such a low cost. When I called to speak to Sandra, she made me feel as though I was cared for, unlike other companies that make you feel like you're just a paycheque. She answered all my questions, and even made my monthly payments less ... " Read more than the quote. Two days later I am not only insured, but I am also saving money, a lot of money. I have already referred Square One to a few people, and will continue to refer my friends and family. Amazing job Square One, you have made a family extremely happy."

    Marsha W. from Chatham, ON on Nov 17, 2015.

  • Amazing service.

    "I am super impressed with the rates and love the web presence/interface which makes buying insurance a very transparent process. In the past, I could never tell what my insurance covered but with Square One I know exactly what I am covered for and the associated costs. I also appreciate that the comprehensive policy automatically includes coverage for sewer backup and water damage. I recently reported a claim online and the process was seamless. An adjuster contacted ... " Read more me back very promptly and was extremely professional in walking me through the entire process. I have already referred my friends to Square One and they too are extremely impressed with the rates and web presence. Fantastic job!"

    Peter L. from Burnaby, BC on Nov 2, 2015.

  • Five star service.

    "Every time I deal with this company I receive five star service. Definitely impressed by how easy everything was and how helpful the agents were. The first agent, Kevin, helped me set up my initial plan and provided an easy to understand overview of what I needed. The second agent, Devon, helped me adjust my plan when I changed units in my building by creating an already filled out quote for me to submit. Extremely satisfied, will recommend to friends. Thank you so much for making this a pleasant experience! "

    Sean D. from Edmonton, AB on Oct 26, 2015.

  • Quick and easy.

    "I came to Square One after receiving the cost to renew my home insurance through my insurance broker. The brokers cost was quite high compared to what Square One offers (almost triple the amount). Spent 10 minutes online getting a quote, and another 5 buying it. It was quick and easy. And, saving me almost $800 a year on home insurance just makes it that much better. I will definitely be recommending Square One to my friends and family. "

    Joshua G. from Saskatoon, SK on Oct 16, 2015.

  • Half the price of TD.

    "I recently purchased a house in Hamilton, received a quote from our mortgage broker at TD Canada Trust and it was $131 plus tax, I received a quote from Square One for $57 including tax - this is amazing. With live chats, great phone service and a simple online application, hopefully I can deal with more companies like this in the future. "

    Nicholas E. from Hamilton, ON on Oct 16, 2015.

  • Amazing service.

    "I just had an amazing experience getting insurance (which no one will ever say) but it is by far the best. I've have gotten insurance before (cars, houses) but this is the best service. It was quick and simple with no red tape. I will be recommending to everyone! "

    Piras M. from Toronto, ON on Oct 6, 2015.

  • Easy to apply and change policies.

    "Square One has a very easy application process which allows you to choose exactly the coverage you need while seeing the cost of each coverage in real time. It really is very helpful to know that the 'essential coverage' you want is costing $1 or $20 a month as you go along. As a result I managed to save $30 per month compared to my previous insurer. I just completed a review of my homes content and realized I was under-insured. I just logged in and changed it in minutes ... " Read more without the hassle of phoning an agent - that has been a source of inertia for me in the past which has delayed policy changes. As of yet I have made no claims so I can't say what this company is like when disaster strikes."

    Brian R. from Thunder Bay, ON on Sep 19, 2015.

  • Thank you!

    "I've done a ton of research on home insurance providers. I was referred to you by a friend and it's as easy and efficient as she and the other Yelp reviewers said it was. Your breakdown of categories helped me with my own spreadsheet to itemize our assets and now I'm going to take photos of everything for reference. Thanks for making it so easy. "

    Christina W. from Vancouver, BC on Sep 9, 2015.

  • Applying and purchasing was easy.

    "My insurance renewal was mailed to me and it seemed like it was too expensive. I found Square One by searching on the internet and when it said you could get a quote online I thought I'll give it a try. Often these free quote things are really just a way to mine your contact information so someone can phone you, but with Square One it was a detailed, but understandable questionnaire resulting in an actual quote! The quote saved me 25% over the price of my renewal and ... " Read more furthermore I was able to convert the quote into a policy with just a few keystrokes. The true measure of an insurance company is always how they handle a claim, but unless you have prior claims you never know that until something happens, but from the point of view of obtaining a quote and purchasing a policy from the comfort of your own computer Square One is a winner!"

    Hugh W. from Victoria, BC on Sep 9, 2015.

  • Excellent and easy to buy.

    "The website layout is crisp and to the point, Square One Insurance gets straight to the point and offers the best deal catered just for you. Everything can be done online within 10 minutes, with an updated quote every time you fine-tune your policy. Highly recommend it! "

    Weiling C. from Vancouver, BC on Aug 29, 2015.

  • Straightforward policies with superb customer service.

    "I spoke with a representative of Square One who answered all of my questions, was polite, informed and professional. I was able to get a policy which suits my needs as a single person. With other companies, I was fenced in by 'packages' that did not take my circumstances under consideration at all. I am a fan of this company and will be telling my friends about Square One! "

    Sandra F. from Ladysmith, BC on Aug 29, 2015.

  • Impressive customer service!

    "I am really impressed with their customer service. Not only being prompt and helpful, but also they work hard to meet their customers' needs. All the staff are nice, especially Kevin and Glen, thank you so much for looking after my home insurance. You guys are awesome! "

    Toki Akiyama from North Vancouver, BC on Aug 27, 2015.

  • Great company.

    "I've only been with Square One for a year but any interaction I've had has been great. The website is easy to use and I love that you can personalize your insurance. They give you many choices and the prices are reasonable. At least more reasonable than others I look at. I highly recommend. "

    Carolyn J. from Sherwood Park, AB on Aug 26, 2015.

  • Unbelievable customer service and support.

    "I cannot say enough about my insurance claim process through these folks. My adjuster, Scott Trepke, out of Vancouver has made what could have been a horrible experience so stress free. He is fast, reliable and very calming and exactly what you want when you have to go through a claim. Thank you! "

    Melanie N. from Vancouver, BC on Aug 20, 2015.

  • Excellent customer service.

    "Took me about 10 minutes to set up tenant's insurance for the first time. I spoke with Nicole over the phone - she was super friendly, and answered all of my questions. Will gladly recommend Square One Insurance to all my friends and family! "

    Gunjan C. from Toronto, ON on Aug 7, 2015.

  • Online quote.

    "Easy to understand and personalize the insurance coverage you want and need. Loved the ability to do everything online at my convenience. Prices totally reasonable - highly recommend. "

    Colleen E. from Surrey, BC on Jul 29, 2015.

  • Easy and fair.

    "Saw an ad while on holiday in Ontario. We were in desperate need of a new insurance provider, as we found we were getting laced here in Alberta for no good reason. Goodbye former insurance company! It couldn't be easier to fill everything yourself online, ask a few questions to live agents online (or else they get back to you quickly). Saved $900. No joke. "

    Vesna B. from Calgary, AB on Jul 24, 2015.

  • Everything smooth and easy to use.

    "First, I just want to say that my insurance Rep Madison Lynch was so helpful and friendly on the phone when I talked to her. She guided me through everything I needed to know and answered all my questions. Second, I love the fact that I am able to adjust my insurance quote online and see the real time changes to my coverage and premium. It was very easy to use the online application and I loved how every category had an explanation of what exactly was being covered. Thanks! "

    Clayton U. from Surrey, BC on Jul 22, 2015.

  • Superior quality of service.

    "I was very impressed by the superior quality of service, clarity and help provided by Debbie Bevilacqua this morning. I have not had a smoother time dealing with insurance companies, and agents ever before. Her attitude, caliber of service, and positive attitude was amazing and lasted the entire 40 minutes of our conversation. She's definitely an asset to your company! "

    Bilal N. from Richmond Hill, ON on Jul 21, 2015.

  • Very satisfied.

    "A friend who is an insurance broker recommended Square One Insurance to me even though he sells for 4 other insurance companies, because Square One was cheaper. I did online questionnaires for all 3 of my properties and they really only took less than 15 minutes each (possibly because I already had quotes from other companies against which I could compare and/or because I was already familiar with insurance coverages and terminology). Each question had an explanation ... " Read more which was easy to understand and it was easy to navigate the webpages. All 3 quotes were cheaper for comparable coverage amounts and I purchased all 3."

    Ron L. from Richmond, BC on Jul 20, 2015.

  • Very pleased!

    "Very user friendly website ... easy to follow prompts and directions. Interaction with staff via webchat quick, easy and very helpful. Obtained a highly competitive quote with little difficulty or grief involved! "

    Kirk W. from Thunder Bay, ON on Jul 20, 2015.

  • Clear, concise, quick & convenient.

    "What more could you ask for when purchasing tenant's insurance with the added luxuries of doing so from your own home in a matter of clicks. Phenomenal reviews are well-deserved for such user-friendly service as a fantastic option for tenants across BC. "

    Teejay K. from Victoria, BC on Jul 19, 2015.

  • Customer for 3 years and still very happy.

    "I've continued to renew my home insurance policies with Square One because you offer very good value, it is fast and simple to complete online and I feel like the entire process is very transparent (VERY awesome - probably most people's complaints about what they are charged for when buying insurance). I love that I can complete all policy changes online (super easy). Customer service has also been great in the times that I had questions about my billing. Thanks for making buying insurance so easy. "

    Vanessa C. from Burnaby, BC on Jul 16, 2015.

  • Super fantastic!

    "The service was very easy to use, and I like how you broke down each area at the end (theft, earthquake, etc). Seriously surprised at cutting my bill in half each month! Thank you so much! "

    Tess D. from East York, ON on Jul 16, 2015.

  • Online excellence!

    "I love your site. The online experience is like a well oiled - user friendly machine. Thank you! "

    Anup S. from Vancouver, BC on Jul 15, 2015.

  • Fast and professional service.

    "I love being able to apply online but still have the opportunity to talk to someone when needed. "

    Marie B. from Nepean, ON on Jul 14, 2015.

  • Amazing, fast and easy online quote.

    "I loved the quick and easy use of your online quote system and the option to pay monthly. Highly recommended! "

    Marcin D. from Richmond, BC on Jul 5, 2015.

  • Most hassle free service.

    "I have been with Square One for about 3 years now and I've moved to a new apartment every year. It is the least stressful part about the move because I can do it on my own online or call up to quickly make changes. They are super flexible and make the move so much easier. Not to mention the rates are so affordable. I'm slowly converting all my friends to sign up with Square One. "

    Trina N. from Vancouver, BC on Jul 3, 2015.

  • Great efficiency!

    "I can't believe how easy this really was. I even had to stop at one point and collect some information I should have previously had, and after a few days of not signing back on I received an email asking if I wanted to continue with the on-line quote. Very happy with the ease of use with this web format. Very happy. "

    Gavin from Vancouver , BC on Jun 29, 2015.

  • So glad I came across Square One.

    "Extremely competitive rates and flexible policies. Web signup experience was stellar with their top-notch site, and I had my new policy in minutes with no hassle whatsoever. 100% recommended! "

    Richard B. from Calgary, AB on Jun 26, 2015.

  • Awesome online experience.

    "Awesome online experience! Super straightforward and the easiest insurance has ever felt. I had some questions and called in and the staff were super friendly and helpful! "

    Bradley K. from Port Coquitlam, BC on Jun 26, 2015.

  • Quick - simple - easy.

    "I shopped around for quotes online, not wanting to spend hours on the phone repeating myself over and over again to different people. I loved that I could just fill in my information, make the choices I wanted and in a few clicks I had a competitive quote, one more click and my policy was issued. This was easy to use, the information was precise and clear, and I would recommend this to anyone. "

    Rosemary C. from North Vancouver, BC on Jun 25, 2015.

  • Great service and rates!

    "It was less than 5 minutes to get a amazing quote. I was able to do it all from my phone and I got a premium that was better than the rest of the quotes I had previously gotten from other providers. "

    Jermal R. from North York, ON on Jun 17, 2015.

  • Home insurance made so simple!

    "Square One Insurance is very simple, seamless and timely because of their intuitive online system and electronic email replies. Their information is very clear on how rates are derived and where I could adjust to be more realistic to my insurance needs - there are no hidden coverages. Gone are the days when I had to wait for a paper policy to be mailed for review. I used to re-assess my home insurance every 5 years (when it should be more frequent) because it was such ... " Read more a tedious & time consuming chore, and I avoided it like the plague. This process is so easy, it'll now be an annual event for continual savings. Rates are very reasonable, and thanks for providing the option to charge my monthly fee to my credit card to gain credit card perks. Debbie provided me with fantastic customer service, with her information, home insurance is now easier to understand."

    Rox S from Brampton, ON on Jun 13, 2015.

  • Extremely user-friendly and affordable.

    "I have avoided buying insurance for years because it seemed either too complicated, a huge hassle, costly, bad reviews - or all of the above. Square One made the process super simple and I found a rate that seems totally fair. "

    Cayla H. from Toronto, ON on Jun 8, 2015.


Recently purchased policies

How do we do it?

Click play and learn how you can get town house insurance for as little as $20/month.

Why Square One?

With Square One, you get a knowledgeable team, fast service, excellent protection, great prices and more...

  • A+ rating with the Better Business Bureau
  • Over 2,068 happy customer reviews online
  • Get your quote in less than 15 minutes
  • No long-term contracts
  • Option to pay monthly at no extra cost
  • Dedicated 24/7 emergency claims line
  • Claims are handled fairly and promptly

Get a personalized town house insurance quote now

To see how affordable town house insurance can be, get an online quote now. Or, call 1.855.331.6933. We’re open 6:30am - 6:30pm (Mon - Sat). Whichever option you choose, it will take less than 15 minutes to get a quote.

Get an online quote now