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

Get the right coverage for your home without the complicated jargon. If something happens to your home or garage, we’ll pay to repair or replace it – simple as that. And because your home isn’t just four walls, we also cover things like your shed, pool and playground equipment.

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
  • Actual Replacement Cost for Home and Personal Belongings
  • Full Sewer Backup
  • Overland Water Coverage
  • Hail Coverage

The Preferred


Enhanced coverage others find valuable

  • Liability
  • Special Belongings Coverage +
  • Actual Replacement Cost for Home and Personal Belongings
  • Full Sewer Backup
  • Overland Water Coverage
  • 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 +
  • Actual Replacement Cost for Home and Personal Belongings
  • Full Sewer Backup
  • Overland Water Coverage
  • 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.

No more arbitrary limits for your home based on an estimated cost to replace it. We’ll cover 100% of the actual cost to repair or replace your home, including labour and materials, without any deduction for depreciation. We use an estimated replacement cost to get you the right price, but this doesn’t restrict your coverage limit.

If you make a claim with us, we’ll include additional coverage for the cost to upgrade to environmentally friendly and energy efficient materials, products or methods of reconstruction.

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 home 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 home insurance coverage

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

Find out how much it could cost to switch today.

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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.

Yes, you can cover your vacation property with a separate homeowner’s policy. If you’re not at your vacation home during the winter, be sure to drain the plumbing system and close the water inlet to keep the pipes from freezing and bursting. If your vacation home has central heating, set the thermostat low enough to conserve energy but high enough to keep pipes from bursting. Burst pipes due to freezing isn’t covered under your policy if you’ve been away from the property for more than 14 days and haven’t had anyone checking on it.

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

Let us show you

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