Sonnet Insurance has Ontario homeowners covered

Buy home insurance online in 5 minutes.

Home is where the heart is. Whether it’s your first house in Toronto, your forever home in Mississauga, or your vacation place in Muskoka – 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.

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 Ontario:

The average Torontonian can get house insurance for around the same price as dinner and wine for two from a local restaurant.

Monthly home insurance for a Mississauga family costs about as much as a day trip to the Toronto Zoo.

An Ottawa homeowner can expect their house insurance to cost less than a family phone plan with unlimited talk, text and data.

"My only regret is not finding you sooner. If there’s anyone out there who’s still shopping around for home / auto insurance – stop. You’ve found it, right here. Go Sonnet!" "Super easy, super customer service, super price. Almost a third of the price of other companies for house insurance. Couldn’t be happier with this company. Thanks Sonnet." “…I’ve enjoyed the easy customer service and quick responses to all of my questions. I look forward to adding home insurance in the near future.” “Just signed up for Sonnet Insurance – one of the best online experiences of my life. Cheers!” "I was talking to my friend about overpaying my insurance and couldn't change insurers because of all of the paper work. He suggested that I try Sonnet online. Quote took literally 3 to 5 minutes and the price they gave me was unbelievable."

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.

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.

How do you calculate my home insurance premium?

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.)
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 Ontario are based on current Sonnet policies as of February 2021, with assumptions made to determine demographic groups.