Convenient but expensive
by Alex on Nov 16, 2021
4 out of 5 stars
Home Insurance Reviews
Sonnet Home Insurance Reviews
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(31 reviews)
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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!
I was with a broker for over 10 years. I decided to move 4 policies to Sonnet in 2018. No claims were made since then. I reduced my risk, by replacing 4 hot water thank in 2018 and 2019. A few days ago, I received a notice that my policy had been renewed, but the rate is was quoted in the email. I went to check on web site and saw a + 80% rate increase... hidden on their web site, hoping I would not notice it. Guess what's next... Bye bye Sonnet... Don't been fooled by the 1st year rates, they will kill you the following years.
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Sonnet more than doubled my rates with no notice. I will look elsewhere and wish I had never signed up with them.
I had to insure our house in New Market, ON. Sonnet's rate has been 1/3 of the rate of another provider, Square One Insurance and 1/2 of the rate provided by TD Insurance. I was able to purchase the policy online and that was more convenient than spending hours on the phone with an insurance agent. Quite happy with their service so far.
Got a quote from Sonnet for my condo townhouse in Toronto. Very short application process and my rate was almost the half of what I am paying now even after I added my fiancee's engagement ring. Very happy with the price and will be switching over. I like the fact that I see all the details of my future policy - for example, limits for sewer backup, flooding, and other possible issues. Have not tried though calling them yet - I hope the will honour their quote.
We had a condo insurance policy with Sonnet and the rate continued to increase year over year. This November we had to renew the policy and decided that paying $88/month for a 2-bedroom-condo is too much. So we found something much cheaper - finished going with Square One Insurance for $57/month for an identical policy.
I can not deny that Sonnet is very convenient as you can do everything online avoiding unnecessary calls but at the end it turned out to be too expensive, once we started comparing the prices. A good decision.
A bit of unpleasant experience - two days after cancelling our Sonnet policy (I cancelled before it was renewed for another year) I got an email from them saying that I owe them over $950 for the new policy - that did not make me happy. I called them the next day just to find out that it is an automatically generated email and, since I cancelled before the renewal, I do not owe them anything. But that is something that should not have happened. At least, the lady on the phone was very helpful and friendly and the phone waiting time was not long: 3-4 minutes.