Sonnet Home Insurance Reviews

Sonnet's rules are outrageous. Credit card fraud is rampant, everyone knows that. In 2023, my VISA had to be cancelled/re-mailed to me twice, in March and in November. As a result, 2 of my monthly payments of $66 didn't go through. I called Sonnet with the new VISA number after the fact in each case, and when I called the second time they said, 'Sorry, your policy is being cancelled.' Really? A customer with a perfect 900 credit score is cancelled? Outrageous.

If you never have to put in a claim then this is a great company when it comes to accepting your premiums paid. In the recent past (have 3 home policies), I have had 3 claims, 2 minor, and one larger. The larger one is still going on after 1 year with 6 different claims agents involved over the year. Adjusters don't care, their managers seldom care, the client has to spend hundreds of hours accumulating information in their format, to their satisfaction, and still has to wage a never ending battle for fair coverage settlement. Communications is terrible with this company in the way that it appears they are 90% understaffed. They also like to make up rules and guidelines from thin air without any substantiation.

Terrible customer service.
Impossible to contact them and when finally someone answers the phone they won't let you speak.
Shame for this company. Stay away.

Due to weather and rain on August 24th and power outage for about 8 hours our sumpump stopped working and our basement flooded, today is September 2nd and we live in a smelly molded house and no action been taken. l wish l could rate them minus 5, this will cause health issues to us and it's serious.

So extremely disappointed. My insurance is 300$ a month with you guys, I got into an accident in the middle of OCTOBER, and was told 3 days MAX for an adjuster to call me I am still waiting, I've called TWICE since there asking what the hold up is to be told so sorry someone will contact you in 48 hours and STILL NOBODY HAS CONTACTED ME! Now all the paint chips from the accident are rusted to hell. The guy that ran the red light and hit me in the intersection??? You got it his vehicle is fixed and as good as new but here I am paying up my asshole for insurance for what??? Why have insurance if nothing is going to be done? So extremely disappointed and discouraged...

Pire assurances à vie! J'ai été inondée, il a fallu 2 mois et demie avant que le dossier avance. Ils vont s'obstiner au maximum pour que le remboursement soit le moins gros possible et vous convaincre les même si les vis de votre BBQ neuf dans sa boite sont rouillées, ils auraient rouillés pareil dehors. En plus, ils vont vous envoyer un portail dans lequel vous devez aller indiquer ligne par ligne les biens à remplacer, insérer une photo (pas évident quand ils ont ramassé tous les biens avant de vous demander de remplir ce portail) pour chaque bien et insérer une facture pour chaque article, ce qui représente tout un travail administratif intense et long si vous voulez être remboursé (si vous n'avez pas de factures, ils vont juger du montant à rembourser). De plus, il ne faut pas se tromper et faire soumettre avant d'avoir terminé la liste dans le portail, car ils ne réouvrent pas le portail et considère que ce que vous aurez soumis est ce qu'ils vont rembourser (donc : erreur humaine non permise sur un processus qui vous prendra des heures). je me demande ce qu'ils font avec les gens qui n'ont pas d'internet?

I always knew that I could get cheaper coverage but tenant insurance is not very expensive.
I just got a renewal notice with an increase for the addition of "overland water damage". I called and spoke to an agent who put me on mute and came back to tell me it is for sewage backup based on revised land surveys.

Well... I live on the 18th floor of a highrise in downtown Edmonton. That would be one hell of a backup. As for flooding? This is the highest altitude in the city.

If they want to raise rates that's their option. Adding useless coverage is an insulting method to achieve it.

I bought a fixer-upper and got insurance from Sonnet insurance online.
The policy said I was covered for flooding and for sewer backup. The property was next to a stream so in September of 2020 I applied for a permit from WAWA (watercourse and wetland alteration) to place boulders next to the stream to prevent possible flooding in the spring.
It flooded in December of 2020 pushing soil up under the house and lifting the toilet and the pipes leading to the septic tank. Some of the pipes were broken and displaced. The support beam at the front of the house was washed away and support beams were cracked. The door was removed. The foundation was back washed away.
My claim was denied because they said the home was vacant for more than 30 days. It was not vacant!
Two or three months after the flood they cancelled my insurance for no reason.
I appealed to two separate ombudsmen and was denied.
I am now taking legal action.
Sonnet is terrible.