Square One Insurance Home Insurance Reviews

Dealt with no less than three agents. One says one thing the other something else. In short over-staffed with incompetent people! So if I extrapolate I would bet they are a train wreck to deal with if you have a claim. They are substantially cheaper than all other competitors... so you are taking a big risk.

First claim with them. It's been about four months now and so far they managed to reduce my claim 80% leaving me hanging for four months now. I cannot get one dime out of them. They are polite but doing nothing. Waiting 3 months before they apply to get a police report... Then another month of waiting and they say they require a copy of My ID. They not only should have known to apply for the police reports months ago but they should have known about the police requirements regarding my ID, VERY UNPROFESSIONAL! Then because part of the theft involved collector guns and ammo, they asked for a copy of my PAL. Not only is it not safe to be sending copies of that to a stranger, one wonders if it is even required. They asked for proof of ownership of some items. I gave them several. I have more but they never even bothered to contact the people I told them about. If you want polite airhead responses go to them. They only have one mandate on their minds. No payout. Looking at their reviews, I see they like to pay out small claims. I hear if you have a serious claim they will cancel your policy. If you want professional people look elsewhere. One should not have to hire a lawyer to resolve an insurance claim!

Never had a claim. Had the unfortunate mishap of missing only one payment when my electricity went out for 7 plus days due to a severe Derecho storm in May 2022. No internet, no cell coverage, nothing was working and I couldn't do any banking or monitor anything. Once the power came back 7 days later, I caught up on my emails and noticed that the one payment bounced 4 days prior so I called right away to make the payment. The customer service agent would not take my payment because my policy was already sent for cancellation. She did however enter notes into my account saying that I could re-instate the policy at the same price once I was notified of the cancellation. Fast forward a couple of weeks, no notice came in by email which was my preferred method of communication with them so I called them back to take care of my account with them but the only thing they did was triple my monthly premium, require 2 months of payments in advance and would not budge. Pretty hard to come up with that sort of cash as a single dad with custody of my children. Despite me being proactive and calling right away and them putting notes in my account to protect my rate they would not budge and this even when I spoke to the VP of sales. Lesson learned... DO NOT DO BUSINESS WITH THEM.

Don't listen to the commercials about policies being as low as $12 a month...
I contacted them to discuss ways to reduce what I pay monthly, as I was paying over $108 a month for a 600 sqft condo that I had never ever made a claim on. I had no choice at the beginning, but now things are tough for me financially.
As we went through my policy, their suggestions were only going to cut costs by a dollar here and there. They stated my fees per month were high because of some "condo owner's protection". I kept asking them, why are other insurance companies providing me with quotes as much as $60 cheaper -same deductibles, the same level of insurance coverage, etc. I did not receive a response and there was no budging despite me being clear that I was going to close my policy if they couldn't make a substantial reduction in monthly fees. I signed up with another insurance company for $50 less and cancelled my policy within the same day. In fact, the new policy provides me with the protection that Square One doesn't.
Please pay attention to what is listed in your policy. As a result of the phone call I had with them, I discovered they were charging me for auto-related liability insurance despite me not requesting it, as I do not have a driver's licence nor a car. I did not see this when signing up. I would have caught it. I will be contacting management and seeing how much money I paid in the last year for insurance coverage I did not need nor requested and will be demanding a refund.

The lady was quite rude she asked me questions over and over and I answered them online, at the end of the day she did not provide us insurance and said we were not qualified even though it was qualified by the director of the company. I will not ever recommend this company staying 100000000 km away!