Square One Insurance Home Insurance Reviews

These company is the most horrible insurance company I’ve come across. They sold me a cheap and nasty policy when I had a claim the left me hanging in the cold for almost a year! They should not be in bussiness.

Even though their price might seem competitive when real issues happen you understand why. We lost our home, because they first refused to cover us when our home flooded, still battling it with them and probably going to court on it. Then they forced us to take a loan by threatening that they are not cancelling our insurance. Once we fixed our home while waiting for a claim, they refused to renew our policy for no reason except that we were fully getting them on the claim which they haven't paid yet (7 months). Their response is unprofessional, my lawyer had to ask them over 3 times to respond, and even today they lack any serious attention to the matter. Basically, for them 'you' don't matter, your lively hood is last on their list. There are better options out there and similar pricing, if you care about your family and your lively hood, do some homework, and avoid those who won't be there for you.

Square One Insurance has got to be one of the worst Insurance companies I have had the misfortune of dealing with…The adjuster was very rude and unprofessional and immediately claimed I don’t qualify for any payments for the liability damage. They denied my claim for accidental flood damage, claiming it is not covered by my policy. The policy clearly states that third-party liability damage is covered up to $1 Million. It has been 7 months since the flood occurred and I have not received any response from the adjuster even after providing all the invoices for the repair cost to other units below me. I was forced to pay the full $22,000 in flood damage out of pocket. Avoid this Insurance company like the plague.

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!

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.

Hi There, I wanted to reach you in regards to Square One Insurance. About a month ago I had something strange happen to me that never in my life thought an insurance company would do. My wife and I received an email from Square One with my policy number and account information to my gmail account, they notified my wife that her payment did not go through and that they would take the payment again on September 4th. We had no idea that the payment did not go through as we do not use email to discuss insurance matters, I have auto insurance with another provider and if a payment did not go through they would call and either leave a message or speak to someone. The issue I have with Square One is that they are sending an email about my insurance policy via unsecured email, which I never requested. After Square One sent this message to me instead of calling or leaving a message the very next day they tried to take payment again and then they sent me another email saying to me personally that your policy will be cancelled by September 4th for failed payment, and within this 2- week period they also sent my entire policy and personal information about my property through my annual renewal not once but twice to my wife and me to the same unsecured gmail account. So I decided to call them to better understand why they would send my information about my policy number and payment information via public email. The response I received from the billing support team is: "It is an internal policy and our system automatically sends out emails to notify customers". So, then I asked them about what the email stated that the payment failed and that they were going to take payment again September 4th, he told me that the message is just an automated message and we do not follow that information because we have our own internal policy. Finally, I spoke to them about the emails that they have been sending me on the renewal email and the fact that I did not sign up for auto-renew, he told me that their internal systems automatically renew and that they can only take it off manually and they would need to send another unsecured email with this confirmation. So then I asked him what happens if we do not respond to the renewal and let it go or pay for the renewal by the anniversary date. He then said that they would cancel the policy and then negatively impact my credit rating for nonpayment. Here is the list of concerns I have. The one that really angers me is the fact that Square One is creating their own internal policies on when they collect money and total disregard to their customer and then telling me that the information in the email is false because they do not follow it as a policy. So you are basically telling me that Square One is a gangster that threatens their customers by sending automated messages about their policy through unsecured email and we don't care because internally we decided that this is what we want to do. My next point around Privacy and Security of my personal information at no point did your team try to help me understand how they were going to address my issue with it, instead, they used their gangster policies that they created internally to tell me that it is their internal systems and basically telling me to myself. After I emailed the help team that we have moved our policy and to remove us from your email system and all files, I asked them not to contact us via email and we did not want any courteous call. Again the team lead in their customer service ignored the email that I sent her to stop all communication via email. Again they sent two more emails with my policy number telling me that my policy will be cancelled as per my request, and then they called us again and I told them we are not renewing our policy please do not call or email us again we have paid our invoice on September 4th as the emails have stated any future communications to be sent via registered mail like every insurance company in Canada does. The public needs to know and I am on Social media to warn other Canadians about choosing the right insurance company and demand that they explain how their customer privacy is being handled. I am posting online about how online companies like Square One are high risk to deal with as they do not handle your personal information with care or have respect for your privacy. I demanded a response from Square One on how they are going to correct this problem and the response I received from Ombudsmen from the Mutual Fire insurance the parent company of Square One was - "We take privacy very seriously", which is not the case and given the fact that I filed the complaint on September 6th, she responded a month later blowing me off on October 9th goes to show you that Insurance companies like this are really not serious about you as a customer.

In this time of financial hardship for many during the global COVID-19 pandemic, isn't it nice to see so many company's showing genuine support and solidarity? Now I know it is often remarked that insurance companies have no moral compass, and Square One is no different. Changing my account from manageable monthly payments to suddenly taking my whole year's payment upfront. Thanks for helping screw up people's personal cashflow during this difficult time...