Square One Insurance Home Insurance Reviews

Square One hires contractors who are unreliable, not necessarily certified or bonded. Our items were moved after a flood by a mover who stored them in a moth-infested storage, returned damaged goods, infested us with the moths, and they hired an initial adjuster who was a relative or buddy of the unlicensed mover. Our goods were damaged, some not returned at all; others are broken, and they will give you the total run-around when dealing with their adjusters, claims, etc. As soon as the ongoing claim is resolved, we will change insurers, and report to the BBB and the Insurer's Association.

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.