Sonnet Home Insurance Review (2026)

Sonnet home insurance: The basics

• Founded: 2016 (10 years in business)
• Parent company: Definity Financial Corporation
• Underwriting companies: Sonnet Insurance Company
• Website: www.sonnet.ca
• Phone number: Agents available by chat or email only
• Availability: Alberta, British Columbia, New Brunswick, Nova Scotia, Ontario, Prince Edward Island, Quebec
• Home insurance products: Home, condo, tenant, and landlord insurance

What does Sonnet home insurance cover?

Sonnet home insurance offers all-risk home insurance policies that cover your home and its contents against a wide range of perils, from house fires to theft to floods. All-risk home insurance, the standard type of policy available from Sonnet, covers your home against all perils (or causes of loss) except those explicitly listed as exclusions in your policy. 

Common excluded perils include war, terrorism, wear and tear, earth movement including earthquakes, and certain forms of water damage. Some exclusions can be added back through policy endorsements. 

Standard coverage options

All Sonnet home insurance quotes include a Base Package with the following standard coverage options: 

• Global limit of insurance: Your Global Limit from Sonnet includes coverage for your home and detached structures, your personal belongings, and extra expenses after a loss (i.e., loss of use). Sonnet’s default global limit is $1.5 million. 
• Personal liability: This coverage offers financial protection if you unintentionally hurt someone or damage their property, either at home or anywhere in the world. You can choose a $1 million or $2 million limit, or call a Sonnet representative for more coverage. 
• Policy deductible: Sonnet offers $1,000, $2,000, and $5,000 deductibles. 
• Water damage deductible: Your policy has a separate deductible which applies to the basic water damage included in your Base Package, overland water claims (if you add overland water coverage) and sewer backup claims (if you add sewer backup coverage). You can set this deductible to $2,000 or $5,000. 
• Hail deductible: A separate deductible applies to hail claims. You can set it at $2,000 or $5,000. 
• Bylaw coverage: This included coverage pays up to $25,000 to rebuild or repair your home in compliance with updated bylaws after a covered loss. 

Optional coverage and endorsements

You can add various optional endorsements to your base package to extend or modify your coverage. These include: 
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• Sewer backup coverage: This add-on covers water damage caused by a sewer backup. Limits start at $10,000 and can go up to $100,000 or your full policy limit. 
• Overland water coverage: This covers flood damage caused by overflowing bodies of fresh water, excessive rain, spring runoff, and snowmelt. You can’t add it unless you already have sewer backup coverage, and limits range from $10,000 to your full policy limit. 
• Increased custom limits for personal belongings: Sonnet offers three custom limits packages for personal belongings, ranging from $10,000–$30,000 per item and $50,000–$100,000 for the total custom limit. 
• High value items: If you own just one or two items that exceed your standard custom limit, Sonnet allows you to list them individually and insure their exact value, along with a description that can help to simplify claims. 
• Earthquake coverage: Homeowners in earthquake-prone regions can add this coverage with a percentage-base deductible equal to 5%, 10%, or 15% of your total claim amount. 
• Green endorsement: This add-on offers $10,000 to repair your property after a covered loss using environmentally friendly materials. 
• Identity theft coverage: This endorsement will pay up to $25,000 for legal fees and other costs associated with an identity theft, such as replacing identity documents or lost wages. 
• First claim forgiveness: With this endorsement, your premium won’t go up as the result of your first rateable home insurance claim.

What you’ll need for a quote

When you get home insurance quotes from Sonnet Insurance, you’ll need to provide the following information:

• The address of the home you want to insure
• Your name and personal details
• Your past property insurance history, including claims from the last five years
• Number of storeys
• Building style
• The year the home was built
• Finished basement
• Number of bathrooms
• Number of woodstoves or pellet stoves
• Total square footage of the home
• Type of electrical panel
• Type of electrical wiring
• Number of oil tanks
• Exterior wall type
• Heating type
• Roof type

Sonnet home insurance discounts

Sonnet Insurance offers at least five distinct discounts for home insurance: 

• Home and auto insurance bundling: Sonnet advertises discounts of 25% or more for customers who bundle auto and home insurance. 
• Group and affinity discounts: Sonnet focuses many of its savings opportunities on alumni, professionals, employees, and other members of affinity groups within its network. 
• Claims-free discount: Sonnet offers an unspecified discount for customers who haven’t filed a property claim in a certain number of years. 
• Multi-location discount: If you own and insure multiple properties, Sonnet will give you a discounted rate. 
• Tangerine discount: If you’re a Tangerine client, you may be eligible for additional savings on your premium. 

Sonnet also has Sonnet Connect, a perks program that offers customers deals with certain partner companies, including TELUS SmartHome Security, Homewise mortgage lenders, Tangerine Chequing, Car Loans Canada, and FLO EV charging.

How much does Sonnet home insurance cost?

On average, home insurance from Sonnet costs about $175/month, with quotes as low as $97/month for a basic policy with no water damage coverage or endorsements and as high as $250/month or more for premium plans. 

• Province: We’ve pulled sample rates for Ontario, but other provinces may have higher or lower average costs based on climate patterns, crime rates, and building materials and labor costs. 
• Home location: The exact location of your home, including its proximity to fire halls and hydrants, plays a role in the cost of coverage. Rural homes may see higher rates because their access to fire services is less robust. 
• Home age: Older homes often cost more to insure than new homes, since they’re more likely to sustain extensive damage from the same threats. 

Sonnet home insurance rates in Ontario 

^{* All quotes are for a 45-year-old male applicant with a detached or semi-detached two-storey home built between 2000 and 2015 with a roof upgraded in 2020.} 

The Sonnet home insurance claims process

To file a home insurance claim with Sonnet, this is the process you’ll need to follow: 

1. Document your loss: In order to process a claim, Sonnet needs as much information as possible about the incident that caused your loss and the nature and extent of the damage. Write down what happened, including the date and time, and create a detailed inventory of lost and damaged property. Take photos and video, if possible, to document any property damage, and collect receipts and invoices to prove ownership and value.  
2. Mitigate further loss: In some cases, prompt action is required to prevent further damage to your home. For instance, it’s your responsibility to cover up holes in your roof, windows, or walls that could let in rain and cause water damage. If emergency repairs are required, Sonnet’s claims team will help you set them up. 
3. Report the claim: As soon as possible after the loss, report the claim to Sonnet. Provide as much information as possible and follow the claims team’s instructions regarding further documentation. 
4. Choose your contractor: Sonnet may recommend one or more vendors to complete the repairs to your property, but you can also choose your own contractor. Try to get repair estimates from at least two or three vendors. 
5. Authorize repairs and collect your settlement: Depending on your situation and the type of claim you filed, Sonnet may pay vendors directly or send you a cheque to reimburse your costs. 

How to contact Sonnet for a claim

You can submit a claim online, via chat, or by phone at 1-844-766-6384. While Sonnet advertises 24/7 claims support, it also notes that the claims team may only be available by phone or chat during business hours.

Is Sonnet good for claims?

To get a sense of how well Sonnet meets customer expectations in the home insurance claims process, we looked for discussions on Reddit from current and former customers. Overall, Sonnet’s home insurance claims team gets positive reviews from Reddit users.

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How Sonnet home insurance compares to other providers

Here’s how Sonnet compares to two other popular insurance companies in Canada.

^{* Average monthly cost of comprehensive coverage.} 

^{** Online quoting currently unavailable in Alberta.}  

Is Sonnet home insurance right for you?

Sonnet’s competitive rates and digital-first approach to home insurance make it a good fit for budget-conscious shoppers, first-time homeowners, and anyone in search of quick, convenient coverage.  

If you own a high-value home, run a home-based business, or want highly specialized coverage, Sonnet’s offerings may not be the best fit for you. Sonnet’s strengths lie in convenient quoting and digital policy tools, clear coverage explanations for shoppers who may not know insurance jargon inside and out, and strong discounts for university alumni, professionals, and banking clients. 

FAQ: Sonnet home insurance

This article is for general information only and is not insurance or legal advice. Examples and any sample quotes or rate ranges are illustrative and do not constitute an offer or guarantee of coverage, price, or eligibility. Actual coverage, discounts, and premiums depend on your individual circumstances and the insurer provider; if there is any discrepancy, your policy and insurer documentation govern. For advice about your situation, speak with one of our licensed insurance professionals.