Square One Insurance Home Insurance Reviews

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 short of it. The bike was stolen and a claim was made through house insurance. The adjuster called and gave details on the steps required. Needed to provide quotes to them for a bicycle of the same kind and quality, there were no bikes in the city to purchase in August due to COVID. Received a quote for the same bike model, from two stores, both could not get the bike in as it was sold out internationally. I believed this was a fair thing to do on my end, as the value of the quote would not be inflated. After receiving the quote the adjuster would not negotiate their offer of either a cash settlement with a 30% depreciation placed on the bike. The replacement option was contingent on replacement within 180 days, I tried to communicate that I may not be able to acquire a bike within 180 days as globally there is a shortage. The adjuster would not increase this date window, allowing me to acquire a bike in the near future. I am currently waiting to be contacted by his manager.