Sonnet Home Insurance Reviews

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.

Sonnet increased my car insurance rates in the middle of the year without letting me know, with the latter explanation that one of the insurance had been cancelled, removed (by me) i.e. car insurance etc. and I had a group discount, which is not true as during the search my second car insurance I did independent application, not part of group insurance application and get rates from Sonnet as an independent car insurance, because money covers these insurances would go from a different account i.e. me and my son in law. Stay away from this company as an absolute scam and not reliable on their promises, offers etc.

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 transferred my property policy to Sonnet in 2017.

Prior to switching to Sonnet, I had continuous policy in 2013 - 2017 and * No claims *
After signing with Sonnet my policy premium started to increase as follow:
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2017: $730 annually ($60.83/mo). * No Claims * 1st year with Sonnet
2018: $829 annually ($69.08/mo). * No Claims * 14% Premium Increase.
2019: $1,003 annually ($69.08/mo). * No Claims * 21% Premium Increase.
2021: $1,379 annually ($114.92/mo). * No Claims * 37% Premium Increase.
2022: $1,543 annually ($128.58/mo). * No Claims * 21% Premium Increase.

Dear Sonnet,

This is to let you know that I have obtained the new property policy from a company that I was insured with prior to switching to you. My new premium will be within 3% of the rates offered to me back in 2017. As it is fairly obvious I will not be renewing the property policy with Sonnet.

I wish your corporate house of cards crumbles fast and loud!

Sincerely,
Your Former Client
Calgary, AB

P.S. Please do not respond with your usual "There were many claims in your area", as nobody believes your lies any longer.

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.

Had a great experience when I effortlessly signed up online. 1 year later, they increased my rate by 40% for no good reason, no claims or anything along those lines. When I called up, they were unable to justify the change. Buyers beware, the first year may look attractive, but they will increase things for no reason the following year. Others have experienced the same thing.

They will give you a cheap price for the first year to lure you in, and as soon as your renewal is up Bammm, %200+ premium increase with no claims valid reason. The company simply doesn't care about customers if you don't mind changing insurance in a year
I say use this company for a year, and dump them like your garbage before your renewal is up, and be aware of the automatic renewal policy these scammers have.