What ISN’T covered by my home policy?

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Just as it’s important to know what your policy covers, it’s also important to know what it DOESN’T cover. Depending on where you live or your situation, you may need additional insurance coverage for certain things that aren’t covered by your standard home policy, like:

Flood
Earthquakes and landslides (you can purchase additional earthquake coverage)
Wear and tear, and maintenance
Loss or damage caused by mould
Hail damage (Alberta homeowners/rented dwellings only)
Sewer backup coverage
Specialty belongings over $3,000 per item or $10,000 combined. We consider jewellery, watches, gems, furs, collectibles (including sports cards, comic books, sports memorabilia, rare or signed books, coins and stamps), and silverware to be specialty belongings
Freezing, unless it happens within part of your house that is heated and you haven’t been away for more than 14 consecutive days
Direct damage caused by skunks, raccoons, birds, vermin, rodents, bats and insects

Planning to be away from your house more than 14 consecutive days? For your coverage to apply, you must:

have someone ensure that your home is being properly heated while you’re away, or
shut off the water supply and drain all pipes and appliances, or
have your heating system connected to an alarm service that is monitored at all times and can respond to any emergency.

*Complimentary one-year membership to TELUS Health Virtual Care is available to the primary named insured on a Sonnet property or auto policy. Offer is limited to one Sonnet account with at least one active home or auto insurance policy. The primary named insured’s partner, spouse and any dependents under the age of twenty-six may also use the TELUS Virtual Health Care membership. Offer does not extend to the purchase of a Sonnet Pet Insurance policy. Offer is not available to residents of New Brunswick. Note that controlled substances cannot be prescribed by TELUS Health Virtual Care.

Sonnet Pet is distributed under a distribution network agreement by Sonnet Insurance Company and is underwritten by Petline Insurance Company. Products are available to residents of B.C., Alberta, Ontario, Québec, New Brunswick, Nova Scotia and P.E.I. and provide coverage to eligible pets. All coverage described is subject to the terms, conditions, limitations and exclusions contained in our Policy Wordings. In the event of a discrepancy, your policy wording governs.

Sonnet Insurance offers online home and auto insurance to residents of Ontario, Quebec, New Brunswick, Nova Scotia and P.E.I. In B.C. and Alberta we offer online home insurance. Unfortunately, we’re not able to service Saskatchewan, Manitoba, Newfoundland & Labrador and the territories, or Alberta or B.C. auto insurance customers at this time.

Always refer to your insurance policy for information about your coverage, including limits, deductibles, and exclusions. In case of discrepancy, the insurance contract prevails over general information available on this site. Any policy related changes made on this site will not be effective until you receive confirmation.

Sonnet Shift is a trademark of Definity Insurance Company and/or its affiliates. Sonnet Shift is only available to residents of Ontario, and Québec.