Sonnet covers you for loss or damage caused by a fire whether you’re a homeowner, condo owner, landlord or tenant. Proof of fire insurance is often requested by a mortgagee or landlord – our policies include fire insurance along with many other coverages. You can provide a copy of your home insurance policy for this request.

Your insurance will cover you for accidents that result in fire damage. For example, a fire that started due to a short-circuit, lightning or a flood. You’re also covered for subsequent smoke damage (such as ruined clothing or furniture).

The only time you’re not covered for fire damage is if you (or someone in the household) started the fire deliberately.

What about wildfires? You’re covered for wildfire damage under your home policy. We also offer Wildfire Defense Systems (WDS) services as an extra prevention measure for eligible properties. Learn more about WDS.