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Updated September 2026

Square One vs The Co-Operators

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Written By BestMoney
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BestMoney
Editor, Writer
Expertise
Personal Loans
Business Loans
Home Insurance

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Reviewed By Edwin Gan
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BestMoney
Editor, Writer

Top 5 Lenders

Overall
Homowner
Tenant
1
Square One
2
Insurely
3
YouSet
4
APOLLO Insurance
5
Intact Insurance
1
Square One
2
Insurely
3
YouSet
4
APOLLO Insurance
5
Intact Insurance
1
Square One
2
Insurely
3
YouSet
4
APOLLO Insurance
5
Intact Insurance
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Via BestMoney
3.8
Updated
Sep, 2026
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Our Score
Cost
8.7/10
Experience
7.2/10
Flexibility
6.7/10
Support
7.6/10
Insurance Details
Price Minimum
$15
$20
Insurance Term Minimum
1 year
1 year
Insurance Term Maximum
1 year
1 year
Claim Processing Time
1 month
1 month
Same-Day Coverage
No
No
Insurance Requirements
AB Availability
Yes
Yes
BC Availability
Yes
Yes
MB Availability
Yes
Yes
NB Availability
No
Yes
NL Availability
No
Yes
NS Availability
No
Yes
NT Availability
No
Yes
NU Availability
No
Yes
ON Availability
Yes
Yes
PE Availability
No
Yes
QC Availability
No
Yes
SK Availability
Yes
Yes
YT Availability
No
Yes
Insurance Type
Homeowners Insurance
Yes
Yes
Tenant Insurance
Yes
Yes
Condo Insurance
Yes
Yes
Semi-Attached House/Duplex Insurance
Yes
Yes
Seasonal Home Insurance
Yes
Yes
Second Home Insurance
Yes
No
Service Line Coverage
Yes
No
Legal Protection Insurance
Yes
No
Platform
Broker
No
No
Direct Insurer
Yes
Yes
Website
Yes
Yes
Mobile App
No
Yes
24/7 Support
Yes
No
Chat Support
Yes
No
Online Application
Yes
Yes
Online Claim Filing
Yes
Yes

Overview of Square One vs The Co-Operators

Square One is a digital home insurance provider offering customizable coverage and fast online quotes. The Co-Operators is a Canadian insurer providing home insurance through brokers, with a focus on personalized service, bundled products, and long-standing experience in the market.

Is Square One better than The Co-Operators?

Square One is better for homeowners who prefer a fully digital experience with control over coverage options. The Co-Operators is better for those who value in-person or broker-assisted service and want access to a wide range of insurance products.

Is Square One cheaper than The Co-Operators?

Square One can be cost-effective for homeowners seeking tailored coverage without extras. The Co-Operators’ pricing varies depending on broker fees, property details, and bundled insurance products, which may be higher in some cases.

Pros and cons of Square One vs The Co-Operators

Pros of Square One vs The Co-Operators home insurance:

  • Fast online quotes and digital policy management (Square One)
  • Highly customizable coverage (Square One)
  • Personalized broker support and wide product range (The Co-Operators)
  • Discounts available for bundled insurance products (The Co-Operators)

Cons of Square One vs The Co-Operators home insurance:

  • Less control over policy customization compared to digital providers (The Co-Operators)
  • Limited in-person support (Square One)
  • Fewer options for bundling with other products (Square One)
  • Pricing may vary based on broker and coverage selection (The Co-Operators)

Key differences between Square One and The Co-Operators

Square One focuses on customizable, fully digital home insurance for homeowners who value speed and flexibility, while The Co-Operators offers traditional broker-supported coverage with a broad product range and bundling options.

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