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Your time matters, and so does your stuff. Get a personalized vacation property insurance quote in 5 minutes. That’s less time than it takes to wait in line for coffee.
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Vacation property insurance customers love and trust
Typically, it’s more challenging to insure vacation properties than it is to insure primary residences. That’s not the case at Square One.
We make it easy for you to properly insure your vacation properties. And best of all, our policies are about $40/month for vacation condos and $75/month for vacation houses. Continue reading to learn why Square One is right for you.
Don’t just take our word for it. Here are some of the reviews that contribute to our average rating of 4.8 stars out of 5. Want to read more? Visit our reviews page.
By far the best insurance provider I have dealt with. I am so glad to have found Square One and to be a client. Today, I dealt with Himalee Jayasooriya by telephone and she was so knowledgeable, pleasant, and helpful. This meant a lot to me being a senior, and she easily and quickly expedited all my car insurance needs. No nonsense, just great service and a great product.
I completed the comprehensive online application for only home insurance as I do not drive. It took a while covering pretty much everything I could think of. The given price of the premium was almost unbelievable. So much so, that I felt I needed to follow up with a phone call. I spoke with a rep that was very knowledgeable, and helped me along with reasonable suggestions and provided recommendations, ensuring the apples to apples coverage. I was extremely pleased with the price of the premium that was a staggering $748 less than my current insurance provider! Thank you so much Square One!
I recently purchased condo insurance from Square One online, and the experience was fantastic. The process was straightforward, user-friendly, and incredibly efficient. The ability to customize my coverage and get everything done quickly without hassle was a big plus. Highly recommend to anyone looking for a smooth and transparent insurance buying experience!
This was the smoothest online buying experience I have ever had. Before Square One came to my attention, I suffered through a number of long-winded and frustrating review processes with other brand name insurers, only to be informed at the end of the process that they do not provide short-term renters insurance! Square One not only provides very cost-effective coverage, but the process was exceptionally painless. Highly recommended!
These guys are terrific! The entire online experience of purchasing was the easiest ever, and they blow the 'big guys' out of the water! The customer reps are exceptionally friendly, kind, and patient... I can't even begin to tell you. I also dealt with Rachel LaHay... she was outstanding and deserves a raise, recognition, and promotion. Not to mention, Square One is the cheapest quote I saw anywhere in Toronto. Thanks guys!
This entire process was the most painless I've experienced while getting auto insurance. The two folks I spoke with, Eran and Stephanie were delightful and absolutely helpful. 10/10 would do it again.
I was hesitant at first but once I got to the end, I realized that I could play around with deductibles and add or take away things I don’t need right now. I felt much better and my quote went down a couple hundred a year. I also really liked the fact that I didn’t have to talk to anyone or wait for a phone call. Once I was happy with my quote and ready to “sign on the dotted line” I clicked the button, paid the fee, and I’m done! Thanks for making it so easy!! :)
Eran Azan was the most helpful, friendly, and knowledgeable. He provided clear, thorough answers to all of my questions and concerns. Very assuring of all of the features of Square One, and is even going over the top - investigating a unique situation I have. I did not feel rushed or that any of my questions were not worthy. Eran made the whole experience feel incredibly empowering. Square One certainly is a competitor in the market of house insurance and I feel very confident with this coverage. Thank you so much, Eran, for such a pleasant call.
Square One is unique, not only in terms of affordability and customization, but also in the platform they've built - it's easy to use, easy to navigate, all policies are clearly laid out, and if you need customer support, they are very responsive by phone. I specifically spoke with Eric Smith who helped me complete my insurance purchase in no time.
Fantastic price and a totally hassle-free experience! Everything is super user-friendly and runs smoothly. I love how convenient it is — I can do it all online without having to talk to anyone. No surprises, no random fees — just consistent, affordable payments. So transparent and straightforward, it’s a breath of fresh air. I’m not even thinking about going anywhere else. Well done, Square One! You should be seriously proud!
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 vacation property 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 vacation property insurance from us, the experience is straightforward from quote to claim. View the sections below to learn 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.
Bicycles, sporting equipment and watercraft: This optional coverage protects any personal and portable equipment used for athletic or recreational activities. This includes cycling, equestrian, fishing, golf, hang-gliding, hockey, hunting, paragliding, shooting, skating, skiing, snowboarding, surfing and windsurfing. It also 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. And, it protects related property like accessories, equipment and trailers.
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.
Inland flood: This deductible applies to each insured loss resulting from an inland flood. Please note that not all areas are eligible for inland flood protection.
Hail: This deductible applies to each insured loss resulting from a hailstorm.
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, fires, theft, 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: