Home contents insurance

Low-cost contents insurance from as little as $15/month

Complete protection for your contents and accidental damage to your landlord’s property

If you rent your home, it important to have contents insurance. Losing your possessions to a break-in, burst pipe or fire is heartbreaking. With policies starting at just $15/month, it’s easy and affordable to make sure you can replace the things you love. What’s more, it also protects you against lawsuits for any accidental injury to others, or accidental damage to your landlord’s property. Continue reading to learn more.

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Protect all your favourite things

The 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.

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Only pay for what you need

Most ‘pre-packaged’ policies automatically charge you to insure items like fine arts, porcelain ware and rare collectibles. Don’t own these items? You don’t pay to insure them with us. (But if you do, then we can help you insure them.)

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Loved and trusted by customers

4.7 stars out of 5. That’s how customers rate Square One after writing 6,062 reviews. Along with an A+ rating from the Better Business Bureau, it’s clear people love the way we’re changing home insurance. Click here to read some reviews.

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Critical protection included

You don’t want to be caught without the right coverage when the unexpected happens. Policies offered by Square One automatically protect against major types of loss, including: break-ins, burst pipes, earthquakes, fires, hail storms and sewer backups.

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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.

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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 manage your policy online at any time.

Ready for an online quote?

See how affordable personalized home insurance can be. Get an online quote in less than 15 minutes by clicking on the button below. Or, continue reading to learn more about Square One.

Personal and specialty property coverages

Traditional providers don’t give you much control when it comes to insuring the contents of your house. They include pre-packaged protection that’s based on your house’s rebuild cost. And, they automatically include protection for specialty property whether you own it or not.

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, 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.

Business property: This optional coverage 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 coverage does not protect business operations/exposures in any other way.

Fine arts and collectibles: This optional coverage protects visual art, including paintings, sculptures, drawings, limited edition prints, and other pieces that cannot be easily replaced, like hand-woven or hand-knotted rugs or carpets made in Asia. 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, it 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; and figurines made of porcelain or ceramic material.

Jewellery and watches: This optional coverage protects objects designed for the adornment of the body, including necklaces, bracelets, rings, earrings, watches and precious stones.

Personal property: This mandatory coverage 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 coverage does not protect any specialty property, which includes: bicycles, sporting equipment and watercraft; business property; fine arts and collectibles; jewellery and watches; and landlord’s property.

Above and beyond.

«I’ve been impressed with the professional service I’ve received with every interaction I’ve had with everyone at Square One. We had some unique and rather challenging requirements for a recent policy and Square One has really come through for us. Thoughtful, kind, efficient, and personal service are the reasons I will recommend Square One to everyone I know. Arsalan, Chantelle, and Devon were standout in their service and dedication to getting it right! Thank you again! »

Save your wallet and home from taking a hit.

No matter what life throws your way, our BCAA Home Insurance team will be there to help. Using our local knowledge and 40 years’ experience as a BC home insurer, we understand the unique needs of homeowners that some larger, national companies may not. So whether you’re renting, insuring your first home or protecting your dream home, you can count on us.  Plus, BCAA Members save up to 20%.