Sonnet Insurance has Alberta homeowners covered

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Home is where the heart is. Whether it’s your first house in Edmonton, your forever home in Calgary, or your vacation place away from the city – make sure you have the protection you need.

Get customized coverage, in language you can understand, at a competitive price – and do it all online. We’ve changed renters insurance for the better, so you can worry less and live more.

Home insurance covers more than just your house. Here are some of the main coverages you can find under a standard home insurance policy. Don’t forget, policies can differ. Always review your policy to understand what you’re covered for and what exclusions may exist. Want to know more? Check out our sample homeowners policy.

Standard home insurance coverages
Liability Insurance

Protect yourself and the people in your home in case you’re sued. 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 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 anything you own that you could pack in a bag or put in a moving truck. Things like your clothing, electronics, furniture, etc. are covered no matter where they are (whether they’re in your house or not).

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 provide you with the cash 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.

Identity Theft

This covers you and anyone else on your policy in case your identity is stolen. Get reimbursed for the legal fees and expenses for replacing legal documents up to a limit.

Additional home insurance coverages
Sewer Backup

This coverage can help in some smelly situations. If water backs up or escapes into your home through a sewer, sump, septic tank, or floor drain, this will cover you for the damage caused. Coverage offered depends on eligibility.

Overland Water

You’re covered for damage to your home caused by fresh water, such as excessive rain, spring run-off and melting snow, coming in at ground level through windows and doors. Coverage offered depends on eligibility.

Hail Coverage

A hail storm can cause severe damage – and costs can quickly add up. Having hail coverage on your policy means your home and belongings will be repaired or replaced if a hail storm happens. Keep in mind that hail coverage isn't automatically added to a home insurance policy - you'll have to add it yourself. And, if the roof of your house or detached structures are over 5 years old, you'll only be covered for the depreciated value.

The cost of home insurance, is priced based on what we know about you and your home. Insurance companies consider things like how much coverage you need, the building type and location of your home and your claims history. Here are some examples of the average price of home insurance with Sonnet in Alberta:

Insurance in Calgary costs less than what the average homeowner will spend in a month on online shopping.

In Edmonton, you’ll pay around the same as a bottle of wine and a nice dinner for two from a favourite local restaurant.

“I loved the online chat! I received reliable answers instantly, which saved me a lot of time instead of having to call in. Sonnet offered everything that I needed and at a good rate.” “It was refreshing to see a visual platform showing me exactly what I was purchasing. It gave me peace of mind and purchasing power.” “I appreciated how quickly I could get a quote online with Sonnet. It was easy to see what coverage I could get and edit my policy instantly.” “We switched to Sonnet last year after 20 years of loyalty to another insurance company. It’s so easy to make changes to our policy and someone is always at the ready to answer our questions.”

Insuring your home should be simple. We’ve made getting a home insurance quote quick and easy, and we’re here to help from start to finish. Read through our current blogs or most commonly asked questions on home insurance to get started.

How are home insurance premiums calculated?

During home insurance calculation, insurance companies look at a complex set of factors. These will determine the likelihood of you making a claim – and how much a claim could cost. The higher the likelihood is, the higher your premium will be.

Factors that can affect your home insurance premium include:

  • Where your home is located 
    Based on your postal code, an insurer can find out how many claims are made in that area – and why they happen. For example, if your area has frequent windstorms, there could be more frequent claims for damage. This could cause your home premium to be higher than that of a house in an area that doesn’t have windstorms very often.
  • Home age and condition 
    The older the building, the higher the likelihood of a claim. That’s because things like old wiring (fuses, for example) are a bigger risk for fire. And, old plumbing increases your risk of claims due to sudden leaks or burst pipes. 
  • Heating equipment
    If your home is heated with oil (like it is in many rural areas), your premium could be higher. Oil tank leaks increase risk of damage and environmental hazards. Wood stoves are also a common source of house fires, so they could raise your payments, too. 
  • Proximity to fire support 
    If your home is close to a fire station and fire hydrants – like in an urban area – your premium could be lower than a home in a rural location, where travel distance is longer. 
  • Number of past claims 
    The longer you’ve been claims free, the lower your premium will be. If you’ve had a claim in the last year, you can expect your premium to go up at renewal. 
  • Your age and other information about you 
    As you get older, your premium will tend to decrease. The fact is, many insurance providers consider homeowners with more experience as less risky to insure. Some insurers could also look at your credit score. 
  • How you use your home 
    Do you rent out rooms or a basement unit in your house? Factors like this may also impact your premium since they can increase damage and liability risks. 
Can I get insurance coverage for my vacation home?

Yes, you can cover your vacation property with a separate home insurance policy. Your vacation home must be located in Canada.

If you’re not at your second home during the winter, there are a few things you’ll need to do to protect your home. 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 vacation home coverage if you’ve been away from the property for more than 14 days and haven’t had anyone checking on it.

Do I need property insurance in Canada?

Whether it’s a house or a condo, buying a new property is a big investment. But, it’s more than a piece of property, it’s your home. That’s why it’s important for every home and condo owner to buy property insurance in Canada. Without property insurance, you’d be responsible for covering the cost if something were to happen to your home or its contents.

Plus, if you have a mortgage on your house or condo, your lender will also likely require you to have home insurance coverage.

What are some extra home coverages I should know about?

Depending on where you live, additional coverages are available to add on for certain events that aren’t covered by a standard home policy. These coverages are hail, sewer back up, overland water and earthquake. All of these coverages can be added when making your quote.

Already purchased? You can add on these coverages at any time through your account.

I rent my home out from time to time. What kind of coverage should I get?

Well, it depends. If there are no more than two renters, you’re allowed to rent part of your house out under your Homeowners Policy. You’re also covered if you have one additional unit within your home that’s rented to one family only.

If you’re renting out a property separate from your home our Landlord Policy will make sure you’re covered if there’s any damage to items that belong to you and the property. Things like major appliances, fixtures or tools (a lawn mower or snow shovel are a couple of examples). If you live in your home, but you have more tenants than our Homeowners Policy allows for, you can purchase our Landlord Policy in addition, to cover you and your home adequately.

Average monthly premiums for home insurance in Alberta are based on current Sonnet policies as of February 2021, with assumptions made to determine demographic groups.