Bundle and you could save over 25% on home and auto insurance†

The smarter, simpler way to save money and protect what matters.

Benefits of bundling your home and auto insurance with Sonnet

When it comes to protecting your home and car, bundling your insurance is a smart move. It not only saves you time and money, but with Sonnet you also get the convenience and support from Canada's first online insurer. Here's how:

One login, zero hassle

Manage both your policies safely and securely from your dashboard anytime, anywhere.

Claims your way

Report home insurance claims and auto insurance claims 24/7 through your online account. Or, do it over the phone – the choice is yours.

Expert guidance

Whether it’s home or auto, our agents know their stuff. We can answer your questions about coverage, billing and more.

Bundle your home and auto insurance – quote and buy online

Combine your home insurance and car insurance in just a few clicks. No matter what type of home you live in, we’ve got you covered.

Home and auto

Whether it’s your first or forever home, bundle with your auto policy to make sure you have the protection you need.

Condo and auto

If a condo is your home sweet home, bundle with your auto policy to protect yourself and the things that matter most.

Already a customer? Add a home or car policy and you could save more

What’s covered when you bundle your homeowners and auto insurance policies?

Here’s a breakdown of some key mandatory and optional coverages:

Standard home insurance coverages

Liability insurance

Protect yourself and the people in your home in case you’re sued. With personal liability coverage, 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 help 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 property you own that you could pack in a bag or put in a moving truck. Personal property like your clothing, electronics and furniture are covered while they’re on your property or temporarily removed (like when you’re travelling to work or out of the country).

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 help cover your extra living expenses 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.

Standard car insurance coverage

Liability insurance

You must have liability coverage in order to drive. It protects you and other drivers financially in case of an accident where you’re at fault. Liability covers you when you are responsible for any damages, injuries or losses experienced by another driver or individual.

Accident benefits

This coverage is required across Canada (except Newfoundland and Labrador). If you sustain any injuries or damages from an accident, this will cover your costs. In Québec, B.C., Manitoba and Saskatchewan, it’s included as part of your government car insurance plan. For the rest of Canada, these benefits are included in your policy through a private insurer.

Collision or upset

This covers loss or damage to your vehicle and its contents caused by specific events. These events include an accident with another vehicle where you’re at fault or a collision with an object (like a guardrail or a tree). It also provides coverage if your car rolls over, or if your vehicle is subject to a hit and run and reported to police within 24 hours.

Although it’s optional, this coverage is considered essential. Without it, you’ll have to pay out of pocket to repair or replace your vehicle if these events happen. If you lease or finance your car, this coverage is usually required by your lessor or lender.

Comprehensive

It’s not just when you’re driving that your vehicle could be damaged. This has your vehicle covered for damage from things like falling objects, vandalism, fire, theft, lightning, windstorm and earthquake.

Do you lease or finance your vehicle? Having both comprehensive and collision coverage may be required by your lender. Find out more about insuring a leased or financed car.

How to bundle your home and auto insurance quote

Sonnet makes it simple and straightforward to bundle your home and auto insurance. Here's how:

1. Get a home quote. Choose your property type. Tell us about yourself, your home and choose the policy start date.

2. Add an auto quote. Enter personal details and tell us about your vehicle.

3. Search for discounts. We offer discounts for Canadian university and college graduates, select employer groups and more.

4. Customize your coverage. Review coverages and deductibles and tailor your home and auto coverages to suit your needs.

5. Purchase your policy. Buy your home and auto policies securely online and feel good about the time and money you’ve saved by bundling.