It’s more than a condo, it’s your home

We know there’s no place like your home. Now get the right coverage for your home without the complicated jargon. Your policy simplifies confusing limits and exceptions, eliminating unwanted surprises later.

Customize your coverage

We use available data to simplify quoting to show you coverage options that fit you and your home. Choose a pre-set package and customize to your heart’s content.

Create a customized insurance package that fits your unique needs.

The Essentials


Complete coverage you can count on

  • Liability
  • Special Belongings
    Coverage
  • Personal Belongings Coverage
  • Condo Special Coverage
  • Full Sewer Backup
  • Overland Water Coverage

The Preferred


Enhanced coverage others find valuable

  • Liability
  • Special Belongings Coverage +
  • Personal Belongings Coverage
  • Condo Special Coverage +
  • Full Sewer Backup
  • Overland Water Coverage
  • Full Hail Coverage
  • Above & Beyond First Claim Forgiveness

The Ultimate


We don’t want to brag, but this one’s hard to beat

  • Liability +
  • Special Belongings Coverage +
  • Personal Belongings Coverage
  • Condo Special Coverage +
  • Full Sewer Backup
  • Overland Water Coverage
  • Full Hail Coverage
  • Above & Beyond First Claim Forgiveness

Forget basic coverage – we’ve got better coverage

Upgrade your Personal Belongings limit and get a few more perks:

First Claim Forgiveness. This means your rate won’t increase after your first claim. We’ll pretend it didn’t even happen.

Replacement Cost Guarantee. You’ll have the flexibility to settle claims at replacement cost, even if you decide not to repair or replace the damaged items.

Enhanced Deductible Waiver. We’ll waive your deductible for claims of $10,000 or more. Sorry, this doesn’t include claims caused by earthquakes.

Don’t worry about confusing terms like “unit contingent coverage”. We’ve created a single, easy to understand coverage for your unique condo needs.

We’ve kept it simple if you’re renting out your condo – no need for a new policy. While it’s rented out, the things you keep at your condo are covered. But only your major appliances are covered for burglary and theft (fridges, stoves, freezers, dishwashers and laundry machines).

Priced for you, not people like you

We combine your unique information, with a whole lot of math and analytics to build our best price just for you – savings automatically included.

In everyday language, you actually understand

We’ve made our condo insurance policies easy to read and highly visual, so you know exactly what’s covered.

Sample Policy Opens in a new window
Image of tablet showing Sonnet’s easy to understand condo insurance coverage

Don’t wait until it’s time to renew to start saving

Find out how much it could cost to switch today.

Try it now

What our customers are saying

Still have questions?

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.)

All the information we access about properties in your area is public data. A variety of service providers maintain this data. We just assemble it to simplify the quote process and get you the most competitive price.

You have three payment methods to choose from – credit card, bank withdrawal or PayPal™.

Let us show you

Buy Now or save your quote, locking in the price.

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