Get personalized home or car insurance quotes in just 5 minutes
Want both? Start a home quote, then complete a car quote. Save up to 5% on car insurance when you also buy home insurance. Car insurance is available in Ontario and Quebec.
Before you start, please review our Privacy Policy and Terms of Use.
Low cost home and car insurance in just 5 minutes
Your quote may surprise you by being so affordable, but the truth is that most people have simply been paying too much for their home and car insurance.
For years, the only option was a pre-packaged policy that offered the same protection to all customers. It was just too expensive for providers to personalize policies for each customer. Today, we now have tools and technology that make it fast and easy to personalize policies.
Choose between home and car insurance below and learn how you can get an accurate low-cost quote with Square One Insurance Services.
1. Start with solid protection
The policies offered by Square One provide comprehensive protection. That means you are protected against all types of loss except for what’s specifically excluded. Common exclusions include war, terrorism, and coastal flood.
Your policy protects against major types of loss, including: break-ins, burst pipes, fires, hail storms and water backups, and more. It also covers:
- Your building (if you own it) and your personal property
- Additional living expenses while your home is being repaired
- Liability to protect you against accidental injury or damage to others
2. Add optional protection
Designing a home insurance policy to suit your unique needs is easy. We’ll guide you through all the different options and help you decide what protection you would like. This might include:
- Any detached structures located on your property
- Landscaping, fencing and gardening equipment
- Specialty property like bikes, jewellery and watches
- Identity theft and legal protection
You’ll love that you know exactly what you’re covering and paying for.
3. Choose your deductible
A deductible is an amount you must pay before your policy responds. For example if your laptop is stolen, you may need to pay the first $500 and your policy would cover the remaining cost to replace it. All policies have at least one deductible.
At Square One, you get to choose your deductible amount. The higher the deductible you choose, the lower the premium you pay. Or, you choose to pay a little more for a lower deductible. You have the power to choose the deductible that fits your budget and needs.
4. Manage your account online
While we’re always here to assist you over the phone, you can also manage your account online.
Whether you want to get a quote, buy a policy or even make a claim, most of our processes are automated and electronic. All documents are emailed to you and can be retrieved from your online account.
By eliminating paperwork and manual tasks, we can keep our overhead low and pass the savings on to you.
1. Tell us about yourself and your car
To get the right protection at the best price, you’ll start your quote by providing some basic information about yourself, your car, and how you drive it. Whether you drive to work every day or occasionally drive on the weekends, we’ll ensure you’re properly protected.
YPlus, you’ll automatically receive discounts for which you’re eligible, including:
- Anti-theft devices. We offer discounts for many aftermarket devices, but you’ll get the best discount with a Tag tracking system.
- Multiple vehicles. More than one car in your family? Insure multiple vehicles with Square One to get up to 10% off your policy.
- Bundling. Get your car and your home insurance from Square One to save up to 5% on your car insurance.
2. Add optional protection
Car insurance policies from Square One include all mandatory coverages. We also include the most important add-ons automatically, so you don’t have to worry about missing key protection.
It’s easy to add major optional coverages as desired to create your ideal car insurance policy, like collision and comprehensive coverage.
You can add endorsements to your policy to modify the standard coverage. We’ll guide you through how to add the right endorsements for your situation, such as:
- Rental car coverage lets you use parts of your policy while you’re driving a vehicle you don’t own.
- A waiver of depreciation means you’ll get a replacement value settlement for your new vehicle if it’s totaled.
- Loss of use covers the costs of temporary transportation (like a rental car) while your car undergoes repairs following a covered loss.
3. Choose your deductibles
A deductible is an amount you must pay before your policy responds. For example, if you collide with a barrier in your car, you’d pay your collision deductible (say, $500) before your policy pays for the rest of the repairs.
You may choose several deductibles during the quote process. Collision, comprehensive, all perils, and other coverages each have their own deductible.
If you choose a low deductible, you’ll have a smaller amount to pay if you make a claim under that coverage. On the other hand, with a high deductible, you’ll pay more when you make a claim, but your premiums will be lower.
4. Manage your account online
While we’re always here to assist you over the phone, you can also manage your account online.
Whether you want to get a quote, buy a policy or even make a claim, most of our processes are automated and electronic. All documents are emailed to you and can be retrieved from your online account.
By eliminating paperwork and manual tasks, we can keep our overhead low and pass the savings on to you.
