Protect your house with home insurance
Buy homeowners insurance online in 5 minutes.
We’re changing insurance for the better. If you live in B.C., Alberta, Ontario, Quebec, New Brunswick, Nova Scotia or P.E.I., you can get property insurance online with Sonnet in just a few clicks. Get customized coverage, in language you can understand, at a competitive price – and do it all online. We’ve made home insurance easier, so you can focus on the important stuff.
First claim forgiveness, replacement cost guarantee and enhanced deductible waiver are all extra perks of our Above and Beyond coverage.
On top of our 24/7 claims support, you have the option of an express claim for small losses.
Online doesn’t have to mean on-your-own. Email, chat or call our fully-licensed insurance agents and experience our 91% customer satisfaction score.
No claims in the last 5 years? This could mean extra cash in your pocket.
Insuring more than one property could qualify you for a multi-location saving.
Bundling your home and auto policies could mean up to 20% savings for you.
Well, it depends. If there are no more than two renters, you’re allowed to rent part of your house out under your Homeowners Policy. You’re also covered if you have one additional unit within your home that’s rented to one family only.
If you’re renting out a property separate from your home our Landlord Policy will make sure you’re covered if there’s any damage to items that belong to you and the property. Things like major appliances, fixtures or tools (a lawn mower or snow shovel are a couple of examples). If you live in your home, but you have more tenants than our Homeowners Policy allows for, you can purchase our Landlord Policy in addition, to cover you and your home adequately.
Whether it’s a house or a condo, buying a new property is a big investment. But, it’s more than a piece of property, it’s your home. That’s why it’s important for every home and condo owner to buy insurance. Without property insurance, if something were to happen to your home or your stuff, you’d be responsible for covering the cost.
Plus, if you have a mortgage on your house or condo, your lender will also likely require you to secure insurance coverage.
Depending on where you live, additional coverages are available to add on for certain events that aren’t covered by a standard home policy. These coverages are hail, sewer back up, overland water and earthquake. All of these coverages can be added when making your quote.
Already purchased? You can add on these coverages at any time through your account.
It’s a whole lot of math and statistics. Basically, we look at a complex set of factors that determine your rate. For instance:
- Where your home is located
- Home structure, age, heating equipment, etc.
- Size of your home
- Number of past claims
- Information about you (age, etc.)
Yes, you can cover your vacation property with a separate homeowner’s policy. If you’re not at your vacation home during the winter, be sure to drain the plumbing system and close the water inlet to keep the pipes from freezing and bursting. If your vacation home has central heating, set the thermostat low enough to conserve energy but high enough to keep pipes from bursting. Burst pipes due to freezing isn’t covered under your policy if you’ve been away from the property for more than 14 days and haven’t had anyone checking on it.
The 5 minutes to get insured is based on the average Sonnet customer experience.
Bundling discount reflects the best possible savings a customer could receive by bundling their home and auto coverage. Depending on your quote details, you may not be eligible for a discount.
The Sonnet customer satisfaction score is based on the average survey results of Economical Insurance respondents between January to December 2018.