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Your time matters, and so does your stuff. Get a personalized landlord insurance quote in 5 minutes. That’s less time than it takes to wait in line for coffee.
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Landlord insurance that
customers love and trust
Square One Insurance Services offers the only landlord insurance policy in North America that can be personalized to your individual needs. We provide a broad range of options that will meet virtually everyone’s unique circumstances.
Typically, it’s more challenging to insure rental properties than primary residences. Not with Square One. In fact, your rental property insurance policy with Square One is one of the few to include comprehensive protection.
And, here are two additional features that separate Square One from other providers.
Tenant’s Protection coverage
Your renters should include Tenant’s Protection coverage on their policies. This optional coverage protects tenants against amounts they must pay because of sudden and accidental damage to the premises that they rent. As a landlord, you can recover from a loss directly through your tenant’s policy. When your tenant purchases a policy, ensure it includes Tenant’s Protection.
Rental Portal
Keeping track of your tenants’ policies isn’t easy. That’s why we created the Rental Portal — a free tool for landlords to have full insight into the status of their tenants’ policies. View the real-time status and receive automatic updates whenever your tenant cancels, changes, or renews their policy. It’s the easiest way to make sure your tenants (and you) are protected.
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Six reasons why you'll love Square One
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 or mobile app, but if you need help, expert assistance from one of our licensed insurance agents is just a webchat or phone call away.
Superior protection
All policies from Square One represent the highest level of protection currently available in Canada. We make it easy for you to protect your home against common perils (such as water damage and theft) and we even cover the costs of rebuilding your home to meet the latest bylaw or code changes.
Guaranteed building replacement coverage
Get the peace of mind you deserve. Simply insure your home to Square One’s suggested limit and, if you experience a loss, we’ll rebuild your home, even if the cost of doing so exceeds your limit of insurance.
Personalized coverage
All policies protect most common personal property items including laptops, smartphones and furniture. If you own specialty property (such as bicycles or fine arts) you can also add coverage to your policy. That way, you only pay to insure what you actually own.
Need to make a claim?
Making a claim with Square One is easy. In fact, most of the process can be done online. You’ll get your own 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 over 90% of all claims submitted.
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.
ready for an online quote? Your time matters, and so does your stuff. Get a personalized landlord insurance quote in 5 minutes. That’s less time than it takes to wait in line for coffee.
Before you start, please review our Privacy Policy and Terms of Use.
Learn how you’re protected
with Square One
When you buy landlord insurance from us, the experience is straightforward from quote to claim. Learn more below about the coverages, deductibles, protection and claim service offered by Square One. You can also download sample policy wordings.
House coverages. Your house is probably the largest asset you own. So, properly protecting it is really important. Our system will help you determine the estimated rebuild cost for your house, which will form the basis of your building limit. You'll then have the option of insuring any detached structures on your property as well as landscaping, fences and gardening equipment.
Condo coverages. With Square One, you get the best condo (or strata) insurance in Canada. You know that saying, “You get what you pay for?” It’s true. Our policy may cost a little more, but it’s there when you need it. Our optional Condo Owner's Protection coverage includes:
Blanket coverage for all condo damage: You select a single limit that covers damage to your unit and its improvements, deductibles assessed against your unit by your condo corporation (including those for water damage and sewer backup), and other amounts assessed for shortfalls in the corporation’s master policy.
Other coverages. There are a few other coverages that are essential to any insurance policy, including liability protection.
Landlord's property: This optional coverage protects any property that you have provided in a rental unit/home for your tenants to use. Includes appliances, window coverings and furniture. It does not include any property owned by your tenants. Your tenants need to purchase their own insurance policy.
Legal protection: This optional coverage provides unlimited access to a telephone helpline through which you can receive legal advice relating to the residential tenancy of rental units in your home. In some cases, it also protects against legal costs to pursue or defend some of your rights as a landlord.
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.
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 wordingsMaking 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: