Updated September 28, 2026 · AssureCue Editorial Team
ARAG vs Square One Insurance
Where ARAG and Square One Insurance differ
| Compare |  ARAG |  Square One Insurance |
|---|---|---|
| Premium from | €14.73 | CA$15 |
| Insurance types | Home, Health, Dental, Pet, Travel, Gadget | Home, Renters, Auto |
| Provider type | Insurer | Broker |
| Claims channels | Online, Phone | Online, Phone, AppCovers more |
| Excess from | €0 | Not confirmed |
| Cover limit | Unlimited legal expenses sum insured in Europe (Kompakt: EUR 350,000 worldwide) | Not confirmed |
Same on both: Monthly payments (Yes).
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Key differences
- ARAG scores higher overall: 9.4 vs 8.9.
- Founded is lower at ARAG: 1935 vs 2011.
- ARAG is available in 17 more countries.
- Insurance types: only ARAG offers Health, Dental, Pet.
- Insurance types: only Square One Insurance offers Renters, Auto.
- Claims channels: only Square One Insurance offers App.
- Support channels: only ARAG offers Email.
Our verdict on each
ARAG
ARAG is a German insurer founded in 1935 that writes home, health, dental, pet, travel and gadget cover on a monthly basis. It suits readers who want several household risks placed with the insurer itself, and who can live with a legal expenses limit that is fixed outside Europe.
Square One Insurance
Square One Insurance is a Canadian broker rather than an underwriter, which suits you if you want home, renters and auto cover placed on monthly payments. Premiums start at CAD 15, claims run through online, phone and app, and its overall score is 4.4.
Score breakdown
| Area | ARAG | Square One Insurance |
|---|---|---|
| Cost | 9.1HigherEntry premium of €14.73 sits above the lower-quartile price of €2.92 and the typical price of €8.37. | 9.0Square One's starting premium of CAD 15 is above the site's median starting premium, €8.37. |
| Offer | 9.3Higher | 9.0 |
| Trust | 9.6Higher | 8.7 |
Side by side, item by item
| Insurance types | ARAG | Square One Insurance |
|---|---|---|
| Auto | No | Yes |
| Home | Yes | Yes |
| Renters | No | Yes |
| Health | Yes | No |
| Travel | Yes | No |
| Pet | Yes | No |
| Dental | Yes | No |
| Gadget | Yes | No |
Where each is licensed and available
| Country | ARAG | Square One Insurance |
|---|---|---|
| Canada | Not confirmed | Autorite des marches financiers 3002172755 |
| Germany | Not confirmed |
Available in 1 country for both. Additional countries for ARAG: 17.
How they place
| Ranking | ARAG | Square One Insurance |
|---|---|---|
| Home insurance | 50 of 273 | 207 of 273 |
Where these facts come from
ARAG
- arag.de: 8 facts, checked September 26, 2026
- arag.com: 4 facts, checked September 26, 2026
Square One Insurance
- squareone.ca: 10 facts, checked September 26, 2026
Every fact side by side
| Fact | ARAG | Square One Insurance |
|---|---|---|
| Pricing model | Monthly | Monthly |
| Legal entity | ARAG SE | Square One Insurance Services |
| Headquarters | Germany | Canada |
| Founded | 1935Lower | 2011 |
| Support channels | Email, Chat, Phone, Help centreCovers more | Chat, Phone, Help centre |
Where each stands against the rest
| Fact | ARAG | Square One Insurance | Median |
|---|---|---|---|
| Excess from | €0below the median | Not confirmed | €50 |
Median across 71 listed insurance providers.
Pros and cons
ARAG
Pros
- Premium starts at €14.73 with an excess of €0, so nothing is deducted from a legal expenses claim before payment.
- ARAG is the insurer itself, insurer, so the contract sits with the company that pays the claim rather than a broker.
- Home, health, dental, pet, travel and gadget cover all sit with the same provider under home, health and dental, so a household need not shop each line separately.
Cons
- The starting premium of €14.73 is above the typical price of €8.37 across the comparison, so cheaper entry points exist.
- Auto and life are missing from home, health and dental, while Good Sam Insurance Agency lists both in auto, home and renters.
- Claims are handled on online and phone, a narrower set of routes than the email, chat and phone offered for general service.
Square One Insurance
Pros
- A single broker places home, renters and auto cover, so home, renters and auto policies come through one point of contact.
- Monthly payments are available and the payment model is monthly.
- Claims can be opened online, phone and app, so a loss is reported online, by phone or in the app.
Cons
- Square One's starting premium of CAD 15 is higher than the site's median starting premium, €8.37.
- Support runs on chat, phone and help centre, with no email route in that list.
- As a broker, broker, Square One does not carry the risk itself, so an underwriter sits behind the policy.
Who each suits
ARAG
Who it suits
- Households wanting home, health, dental, pet, travel and gadget cover written by the insurer itself under home, health and dental.
- Readers who pay monthly, since monthly payments are available and monthly is the only pricing model listed.
- Anyone weighing a claim with no money deducted first, because the excess on the legal expenses policy is €0.
Who should look elsewhere
- Drivers or life savers, since Good Sam Insurance Agency covers auto and life in auto, home and renters while ARAG's home, health and dental does not list them.
- Buyers who need landlord or renters policies, because Hiscox UK sells both under home, renters and landlord and ARAG's list stops at home, health, dental, pet, travel and gadget.
- Readers shopping purely on the lowest entry price, as €14.73 sits above the typical price of €8.37 and Euroasia Insurance quotes from UZS 60,000.
Square One Insurance
Who it suits
- Canadian homeowners and renters who want home, renters and auto arranged by a single broker rather than a wider agency such as Good Sam Insurance Agency.
- Households that want claims handled online, by phone or in the app, since claims run through online, phone and app.
- Buyers who like a published starting premium, CAD 15, alongside a long trading record, trading since 2011.
Who should look elsewhere
- Good Sam Insurance Agency, if you want life, health, travel, pet or motorcycle cover, since Square One lists home, renters and auto only.
- EuroAsia Insurance, listed from UZS 60,000, if you are weighing a far higher starting premium.
- bunq, listed at €0, if the lowest published starting figure matters more than home, renters and auto cover.
Current offers
ARAG
Current offer
Discount code
ARAG Recht und Heim package: 20% discount
Legal expenses, home contents and liability insurance bundle; claimed directly on the ARAG German site
Source, checked September 26, 2026
Square One Insurance
Current offer
Discount code
Save up to 7.5% on car insurance when you also buy home insurance: up to 7.5% off car insurance
Bundle discount; start a home quote then complete a car quote; car insurance available in Ontario and Quebec
Source, checked September 26, 2026
Country by country
| Country | ARAG | Square One Insurance |
|---|---|---|
| Austria | Yes | No |
| Belgium | Yes | No |
| Denmark | Yes | No |
| Finland | Yes | No |
| Germany | Yes | No |
| Greece | Yes | No |
| Ireland | Yes | No |
| Italy | Yes | No |
8 of 18 countries where either is available.
Questions about each
ARAG
What does ARAG cost to start with?+
The listed entry premium is €14.73, set on monthly terms for the legal expenses policy. That sits above the typical price of €8.37 and above the lower-quartile price of €2.92 across the comparison, so ARAG is priced in the middle of the field rather than at the budget end. The excess on that policy is €0.
Can I pay monthly instead of one annual sum?+
Yes. Monthly payments are available and monthly is the only pricing model listed, so the policy is not sold as a single annual payment. The same pattern runs across the comparison, with 88.9% of the listed brands offering monthly payments. Readers who set money aside each month are paying on the terms most of this market uses.
Square One Insurance
What is the starting premium at Square One Insurance?+
Square One lists premiums from CAD 15, and monthly payments are available on its policies. The median starting premium across the site is €8.37, so Square One sits in the middle of the field on entry price rather than among the cheapest listings.
Is Square One an insurer or a broker?+
Square One is a broker, broker. That means it places your policy with an underwriter, so the cover sits with the insurer while the broker handles the sale. The Autorite des marches financiers registration is listed as 3002172755.