Does my homeowners insurance cover my rental property?

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Well, it depends on your situation.

If you’re renting out a separate property from the home you live in, you’ll need home insurance for a rental property – commonly known as landlord insurance.

Heads up! You can only insure your rental property with us if your primary residence is also insured with Sonnet. We do not insure standalone rental properties.

What if you’re renting out a part of the home you live in? We’ll cover you under your personal home insurance policy if you’re renting rooms to no more than 2 roomers or boarders.

Or, you may rent out one additional unit (like a basement apartment) in your house, to no more than one household. A household can be a family, or it can be a couple or unmarried partners, over the age of majority, that co-habitate (but are not students). Keep in mind that Sonnet provides coverage for either one or the other of the above situations – but not both together.

Does your homeowners insurance for your personal home or your rental property cover tenants? No – they’ll have to get their own renters insurance.

No matter what, you should always review your policy wordings to make sure you’ve got the right insurance for your rental needs. Still have questions about rental home insurance? Get in touch with us – we’re happy to help!

*Complimentary one-year membership to TELUS Health Virtual Care is available to the primary named insured on a Sonnet property or auto policy. Offer is limited to one Sonnet account with at least one active home or auto insurance policy. The primary named insured’s partner, spouse and any dependents under the age of twenty-six may also use the TELUS Virtual Health Care membership. Offer does not extend to the purchase of a Sonnet Pet Insurance policy. Offer is not available to residents of New Brunswick. Note that controlled substances cannot be prescribed by TELUS Health Virtual Care.

Sonnet Pet is distributed under a distribution network agreement by Sonnet Insurance Company and is underwritten by Petline Insurance Company. Products are available to residents of B.C., Alberta, Ontario, Québec, New Brunswick, Nova Scotia and P.E.I. and provide coverage to eligible pets. All coverage described is subject to the terms, conditions, limitations and exclusions contained in our Policy Wordings. In the event of a discrepancy, your policy wording governs.

Sonnet Insurance offers online home and auto insurance to residents of Ontario, Quebec, New Brunswick, Nova Scotia and P.E.I. In B.C. and Alberta we offer online home insurance. Unfortunately, we’re not able to service Saskatchewan, Manitoba, Newfoundland & Labrador and the territories, or Alberta or B.C. auto insurance customers at this time.

Always refer to your insurance policy for information about your coverage, including limits, deductibles, and exclusions. In case of discrepancy, the insurance contract prevails over general information available on this site. Any policy related changes made on this site will not be effective until you receive confirmation.

Sonnet Shift is a trademark of Definity Insurance Company and/or its affiliates. Sonnet Shift is only available to residents of Ontario, and Québec.