Sonnet Home Insurance Reviews

No grace period for cancellation for ‘’non-payment” during COVID-19.
My credit card was replaced and before I had a chance to update the profile with the new info my policy had been cancelled.
Now I have been blacklisted and can’t receive insurance on my home from other Insurers.

The most fraudulent company I’ve ever come across. They quoted me $175 for home insurance but charged me $800!!! Yes, a month. $800 a month for a $450k home... Exactly half of my mortgage. I thought clearly they made a mistake so I called them twice. Both times they said: - No, that’s correct! I wondered why they didn’t want to review any of the details with me again... maybe they got something wrong? Nope. They said if I didn’t like it I could get other insurance and they don’t charge a cancellation fee. Another company quoted me $162 a month. Sonnet said I should ask the other company to backdate my new insurance and that’s the only way I could get my money back... guess what. That’s a fraud. They are liars and cheats and steal money from good honest people. Stay away.

I was sent to collections with no notification that I even owed them any money. I’ve been in the house with my newborn baby since COVID-19 has started and I haven’t missed a call text or message during all that time and today received a phone call from a collection agency stating that I owe them money from March. It is now June. I am confused and wondering why I paid double for the first month of it doesn’t cover my last.... and why was I not called, emailed or mailed any notification? Not good service at all!!!

I don't know if they easily pay in case of sinistre, but they send very easily recall to pay even when it's already paid. So, some people can pay twice and maybe never see the mistake. Another trick to increase ther business. Quand une compagnie d'assurance qui a encaissé la prime, réclame une autre fois le paiement, ça sent l'arnaque. Ils doivent faire ça à tout le monde et à la fin, il y a ceux qui ne s'aparçoivent pas qu'ils ont payé 2 fois et qui se font avoir. La politique de l'erreur, on connait. En plus, toujours dans le même sens. Bizarre, non ?

Great rate the first year, then a 40% increase, then another 40% increase. One claim in this time, though they said that per their policy, the first claim did not affect my premium. That said, they can't tell me what has caused this increase other than "general changes in insurance liability globally." Went with them because of their online nature and yet half the time their website is borked or I can't log-in and on email, they tell me to call. Took three customer service agents to fix a very simple problem over email because the first two didn't bother reading my inquiry. The claim experience was with an agent that couldn't answer the question, kept calling me while I was travelling and I had said to email. Eventually bumped up the chain to a higher up who was helpful, but you have to go through layers of idiocy to get there. Do NOT recommend AT ALL. Avoid!

Sonnet more than doubled my rates with no notice. I will look elsewhere and wish I had never signed up with them.

They made it impossible for me to pay them, sent me to collections without further communication despite repeated attempts to give them the $90 I owed, and then refused to send me an apology email meaning I'm stuck with higher rates elsewhere. Also their ombudsmen, and the ombudsmen of their parent company Economical Insurance, like to not return phone calls.