Sonnet Insurance

Sonnet Insurance

Sonnet Insurance is part of the Economical Insurance group which was established in 1871, and has a very experienced and diverse underwriting team. Sonnet Insurance’s presence is online only, and benefits from what the latest technology has to offer.

Sonnet Insurance
Founded 2016
Parent Organization Economical Insurance
Headquarters Waterloo, Ontario
Employees 51 – 200
Insurance Products Homeowners, Condo, Tenant, Landlord, & Auto Insurance

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Company Overview

Sonnet offers auto, home, tenant, condo, and landlord insurance. They have a team of call center associates available to answer questions, and customers can also call on their broker for help and information. Thanks to Sonnet’s unique online business model, they can offer better coverage at a lower cost for all their customers.

Customers use Sonnet Insurance for its:

  • Simple online interface that makes managing an account easy
  • Lower premium rates made possible by the low costs associated with being an online business
  • Ability to deliver truly customized service thanks to its advanced Internet applications
  • Straightforward approach to explaining insurance and taking claims

Sonnet’s Strengths

Sonnet Insurance specializes in fast service for claims and account management. Sonnet Insurance uses its online business approach to offer advantages such as:

  • Precise Premium Calculations – Sonnet Insurance uses the data it collects from its clients to help create more precise insurance premiums. For example, the company collects up to date information on customer neighborhoods including recent claim amounts, crime levels, and numbers of claims, and uses that information to develop more accurate premiums.
  • Truly Personalized Service – The customers of Sonnet Insurance get real information about their specific coverage when they review their accounts online. Information regarding a customer’s driving habits can help lower auto insurance premiums and help that customer to learn how to be a safer driver. The information Sonnet Insurance delivers does more than make insurance easier, it helps customers to improve their lives.
  • Effective Smartphone App – Internet access through smartphones is growing, and Sonnet Insurance has an app that helps customers stay updated on their insurance coverage. The company’s app allows for complete access to all parts of a customer’s account, and it also offers the same interactive features as the desktop website.

Sonnet’s Insurance Products

Sonnet Insurance deals mostly in personal lines of insurance, with products for income property owners as well.

Auto Insurance

Sonnet car insurance policies include standard coverage such as liability, collision, accident benefits, and accident forgiveness. Along with those standard areas of coverage, the company offers options such as:

  • Rental vehicle coverage
  • Ticket forgiveness
  • Coverage based on the replacement value of your vehicle
  • Roadside assistance
  • Hit-n-run deductible waiver

Home Insurance

Home insurance coverage includes liability, full sewer backup, overland water coverage, actual replacement costs, and hail coverage. Coverage options are:

  • First claim forgiveness
  • The ability to settle claims at replacement cost even if you do not replace the item
  • A deductible waiver for claims of $10,000 or more (earthquake claims not included)
  • 100 percent replacement costs guaranteed
  • Claim settlements that include additional funds to use environmentally friendly materials and construction methods

Condo Insurance

Condo insurance from Sonnet is similar to the home insurance, but there are a few coverage options offered that are specific to condos. They are:

  • Condo special coverage that does not rely on unit contingent coverage to protect your investment
  • Condo owners do not need a separate policy if they rent their condo out to tenants for parts of the year

Tenant Insurance

Tenant insurance has the same standard coverage as property insurance. The special options for renters include:

  • Coverage to pay for accommodations while your rental unit is being repaired
  • Coverage for any upgrades you make to your rental unit

Landlord Insurance

Sonnet Insurance offers excellent coverage for landlords who want to protect their properties from the unexpected acts of tenants. The standard coverage features for landlord insurance are the same as for property owners, but landlords get extra options such as:

  • Insurance that pays you any rent you would lose while your property is being remodeled, repaired, or even replaced
  • Replacement costs for 100 percent of the cost of your property


Get a Quote

Get an Insurance Quote Today

Prefer to speak with a broker? We have more markets and more choice than any other broker in Ontario. Call Mitchell & Whale: 1-800-731-2228

Sonnet Insurance
Claims: 1-844-766-6384

Sonnet Insurance Reviews

Rated 1.5 stars
1.5 / 5 (66)

20%


  • Savings
    User: 33%
  • Application Process
    User: 43%
  • Claims Process
    User: 24%
  • Rate stability
    User: 26%
  • Document delivery
    User: 31%


Louise
Rating: 2
2 /5 stars

  • Savings
    User: 0%
  • Application Process
    User: 0%
  • Claims Process
    User: 0%
  • Rate stability
    User: 0%
  • Document delivery
    User: 0%

Price Increases Each Year

on 2020-08-20 10:58:34

I liked that everything with them was online based easy to set up, add banking etc. Premiums were good in the beginning but after first year it increased by $30/month. Nothing changed with me, no tickets, no accidents etc. Then again at next renewal date it increased by another $22/month. Again nothing changed and they had no valid reasons both times when it went up each year. When you go to cancel ensure you are in the right section of their portal, as when I went to cancel I was in the wrong section and it didn't allow me to cancel earlier than my renewal date when I wanted to switch. So I had to select the renewal date not realizing I could have selected an earlier date and saved on the next monthly payment.



Maria Dorofeeva
Rating: 2
2 /5 stars

  • Savings
    User: 0%
  • Application Process
    User: 0%
  • Claims Process
    User: 0%
  • Rate stability
    User: 0%
  • Document delivery
    User: 0%

Terrible

on 2020-04-22 16:28:43

They cancel my insurance with no reason



Amélie
Rating: 2
2 /5 stars

  • Savings
    User: 0%
  • Application Process
    User: 0%
  • Claims Process
    User: 0%
  • Rate stability
    User: 0%
  • Document delivery
    User: 0%

Worst insurance compagny!!!

on 2019-12-03 22:12:35

Do not go with them!! It's a nightmare, our house is a total lost by fire, no human understanding!!!



Julian Barlow
Rating: 2
2 /5 stars

  • Savings
    User: 0%
  • Application Process
    User: 0%
  • Claims Process
    User: 0%
  • Rate stability
    User: 0%
  • Document delivery
    User: 0%

communication difficulties

on 2019-07-05 14:33:58

Have been trying to contact company for two days by email, chat, phone. Much effort and wait involved to make contact.



OWEN WATKINS
Rating: 2
2 /5 stars

  • Savings
    User: 10%
  • Application Process
    User: 100%
  • Claims Process
    User: 0%
  • Rate stability
    User: 0%
  • Document delivery
    User: 10%

documents

on 2019-05-17 22:49:18

Still waiting for documentation after paying for policies???????.



navjot dhaliwal
Rating: 2
2 /5 stars

  • Savings
    User: 60%
  • Application Process
    User: 50%
  • Claims Process
    User: 10%
  • Rate stability
    User: 30%
  • Document delivery
    User: 60%

Over charged

on 2019-05-07 13:26:55

I had a fire at my rented house call the insurance in February told him about it I couldn’t live there anymore and was told by the fire department said not to come back until everything was fixed I told my adjuster this I couldn’t get a hotel because I don’t have a credit card so I was staying at a friends house after finally settling my claim I had my belongings that were cleaned and returned to me at my new address I was still being billed for my old address that I have not stayed in since February it’s now May 7 and I’m still paying for my old address These guys refuse to refund me any money saying they don’t have proof I don’t live there and it’s up to me to contact their contractors to get information that they remove my belongings and delivered it to my new house this place is a joke and a scam



Louis Richer
Rating: 2
2 /5 stars

  • Savings
    User: 10%
  • Application Process
    User: 80%
  • Claims Process
    User: 60%
  • Rate stability
    User: 10%
  • Document delivery
    User: 30%

Sonnet? Goodbye!

on 2019-01-14 12:55:18

Great rates … first year! 29% increase on house, 300% on cars in year 2. Had one claim for a pebble in the windshield valued at $123.00, resulting in a $1,000 increase in the premium. Never again!



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