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.

Home insurance covers more than just your house. Here are some of the main coverages you can find under a standard home insurance policy. Don’t forget, policies can differ. Always review your policy to understand what you’re covered for and what exclusions may exist. Want to know more? Check out our sample homeowners policy.

Standard home insurance coverages
Liability Insurance

Protect yourself and the people in your home in case you’re sued. You’re covered if someone gets hurt while visiting or for damage you may unintentionally cause.

Dwelling and Detached Structures

If something happens to your home, we’ll pay to repair or rebuild it. Also, because your home isn’t just four walls, we also cover things like your detached garage and shed.

Personal Belongings

Often called contents insurance, this protects anything you own that you could pack in a bag or put in a moving truck. Things like your clothing, electronics, furniture, etc. are covered no matter where they are (whether they’re in your house or not).

Extra Expenses

In case something happens and you can’t live in your home – you’re covered while your house is being repaired. Choose to stay in a hotel or with friends and family, we’ll provide you with the cash either way. Renting out part of your home at the time of loss? You’ll also be covered for your net rental income until your tenants can move back in.

Identity Theft

This covers you and anyone else on your policy in case your identity is stolen. Get reimbursed for the legal fees and expenses for replacing legal documents up to a limit.

Additional home insurance coverages
Sewer Backup

This coverage can help in some smelly situations. If water backs up or escapes into your home through a sewer, sump, septic tank, or floor drain, this will cover you for the damage caused. Coverage offered depends on eligibility.

Overland Water

You’re covered for damage to your home caused by fresh water, such as excessive rain, spring run-off and melting snow, coming in at ground level through windows and doors. Coverage offered depends on eligibility.

We’re Canada’s first fully online home and auto insurance company. With us, you can quote, purchase and manage your policy entirely online. Here’s why else we think you’ll love being insured with Sonnet:

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.

At Sonnet, we combine your unique information with a whole lot of math and analytics to build our best price just for you – savings automatically included. Here are a few ways you could save on your house insurance:

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.

"My only regret is not finding you sooner. If there’s anyone out there who’s still shopping around for home / auto insurance – stop. You’ve found it, right here. Go Sonnet!" “Just signed up for Sonnet Insurance – one of the best online experiences of my life. Cheers!”

Insuring your home should be simple. We’ve made getting a home insurance quote quick and easy, and we’re here to help from start to finish. Read through our current blogs or most commonly asked questions on home insurance to get started.

I rent my home out from time to time. What kind of coverage should I get?

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.

Do I need property insurance in Canada?

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.

What are some extra home coverages I should know about?

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.

How do you calculate my home insurance premiums?

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.)
Can I get insurance coverage for my vacation home?

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.