Whether your home’s in downtown Moncton or on the scenic Cape Breton coast, you need home insurance built for life in New Brunswick. Sonnet makes it simple to get reliable protection for your house, belongings and yourself online in minutes. With clear language and competitive pricing, home insurance has never been easier.  

Benefits of a home insurance policy in New Brunswick

Your home is one of your biggest investments, and it deserves the right protection. With home insurance in New Brunswick, you’ll get:

• Peace of mind: your home is covered against life’s unexpected events.
• Protection from weather damage: you’re covered for certain types of damage caused by extreme weather, like wildfires and strong wind– including those that can occur during Atlantic hurricane season.
• Belongings coverage: safeguarding furniture, electronics, and personal items.
• Mortgage-required coverage: meets the insurance requirements of your lender.

Get a New Brunswick home insurance quote

Getting a personalized quote is easy with Sonnet. 
 
Step 1: Tell us about you and your home 
Share your property details, like the type of home you have, your address, and whether you own or rent, plus a few important details about yourself. 
 
Step 2: Review and customize 
Check the information we’ve pre-filled about your home, and update anything as needed. If you qualify, add eligible discounts to save even more. Then, customize your coverage by adjusting limits, choosing deductibles, and adding extra protection. 
 
Step 3: Purchase your policy 
If you’re happy with your quote, buy your home insurance right away. Or, save your quote and return to it later. 

Types of Sonnet home insurance coverage in New Brunswick 

Living in New Brunswick brings its own challenges, from snowy winters to heavy rain and rising rivers. Sonnet home insurance does more than cover the basics – you get top-notch reliable protection for your home and belongings, plus optional add-ons to fit your needs. Learn more about home insurance coverage and how it can keep you covered.

Standard home insurance coverage in New Brunswick 

Liability insurance 
Protect yourself and the people in your home in case you’re sued. With personal liability coverage, 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 help 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 property you own that you could pack in a bag or put in a moving truck. Personal property like your clothing, electronics and furniture are covered while they’re on your property or temporarily removed (like when you’re travelling to work or out of the country).  
  
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 help cover your extra living expenses 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. 

Additional home insurance coverage in New Brunswick   

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.  
 
Earthquake coverage 
This optional coverage covers you in the event of loss or damage arising directly or indirectly from an earthquake. If a snowslide, a landslide or other earth movements cause damage to your property because of an earthquake, you’re also protected.   
  
Identity theft 
This covers you and anyone else on your policy in case your identity is stolen. We’ll reimburse you for legal fees as well as certain other costs, up to a limit. These could include lost wages if you have to take time off work to sort it out, and payment for services that help you restore your identity.   
 
Hail coverage  
Hail damage can be costly. Having hail coverage on your policy means your home and belongings will be repaired or replaced if a hailstorm happens. Hail coverage is automatically included in our home insurance policies.  

File a home insurance claim online 

Dealing with a claim can feel overwhelming, but Sonnet makes it easy. Start your home insurance claim online anytime, from anywhere in New Brunswick. Filing online gets things moving faster, and you can track its status along the way. But online doesn’t mean on your own – your dedicated Claims team member will work with you from start to finish.

Save with Sonnet on home insurance in New Brunswick

Affordable protection matters. With Sonnet, you’ll always get a competitive rate – and you can save even more when you:

• Add a discount through your employer or professional association
• Add your alumni discount if you graduated from a Canadian university or college
• Bundle your home and auto insurance
• Insure multiple properties with us, from condo or rental, cover them with Sonnet and save
• Stay claims-free for five years or more

New Brunswick home insurance FAQs 

How much does home insurance cost in New Brunswick? 

 
Your New Brunswick home insurance premium depends on how likely it is that damage will happen to your home, and how expensive it would be to repair. 
 
Here are some of the main factors insurance companies consider: 

• Location: Homes in areas prone to wind damage or coastal flooding usually cost more to insure. 
• Age and condition: Older wiring, plumbing, or general wear and tear can increase your risk, and your premium. 
• Heating source: Oil tanks and wood stoves are more likely to cause a fire than electric or gas systems. 
• Fire protection: Living close to a fire hydrant or station can help lower your rate. 
• Claims history: Staying claims free over time helps keep your premium down. 
   

How do you file a homeowners insurance claim in New Brunswick?

With Sonnet, filing a home insurance claim is simple.

Step 1: Log in to your Sonnet account
Find your policy number and review the coverage details for your home insurance.

Step 2: Report your claim

• Online: Click “Start a digital claim” and follow the prompts. Need help? Our claims team is available by chat, Monday to Friday, 8 a.m.–6 p.m. ET.
• By phone: Call 1-844-766-6384 and follow the prompts so we can direct your call quickly. For non-emergencies, it’s best to call during business hours, Monday to Friday, 7 a.m.–8 p.m. ET.

Step 3: Work with our claims team
A member of the team will review your claim and guide you through the next steps.

Step 4: Settle your claim
If your claim is approved, we’ll issue a cheque to you or directly to the repair provider, based on your coverage and claim type. Your claims team member will also explain how your deductible applies.

How can I lower my home insurance rates in New Brunswick, Canada? 

Saving on home insurance is easy with Sonnet. Bundle policies, stay claims-free, or add eligible discounts. Simple steps to reduce risk, like upgrading safety features like alarms or sump pumps, and replacing old wiring or adding backflow valves, can also make a big difference to both your peace of mind and your premium.