Sonnet’s online presence, user-friendly features, and offering of basic personal insurance products make it an intriguing option for Canadians looking to buy home insurance. But how can you know if Sonnet is the right choice?
Once you get a quote, be sure to compare it with a few more from alternative providers. Unlike YouSet, Sonnet doesn’t automatically compare multiple insurers at once, so checking around yourself is the best way to ensure you’re getting the best price.
However, cost isn’t the only factor you should consider. Choosing the right home insurance provider is about more than just price—it’s about finding coverage and service that match your needs and expectations. Doing thorough research and weighing the potential pros and cons will help you make a more informed decision.
| Pros | Cons |
| Owned by Definitity Financial Corporation | Restricted to Sonnet products and pricing |
| Guaranteed emergency repairs | Limited after-hours support |
| Available in most provinces | Mixed online reviews |
| Access to third-party deals for customers | Bundling savings may fall short |
✅ Owned by Definitity Financial Corporation
Definity Financial Corporation is publicly traded on the Toronto Stock Exchange (TSX) and is the parent company of Sonnet, as well as Economical Insurance, Family Insurance Solutions, and Petline. This backing may give you added confidence in Sonnet’s ability to meet its obligations to policyholders.
❌ Restricted to Sonnet products and pricing
Sonnet only sells its own insurance products, so the quote you get is based solely on what they offer. Unlike a broker who compares prices from multiple insurers, Sonnet doesn’t shop the market for you. So, if you want to be sure you’re getting the best deal, it’s up to you to compare quotes from other providers yourself.
✅ Guaranteed emergency repairs
If your home needs emergency work after a covered event, Sonnet can send an accredited vendor to stabilize the property and prevent further damage. Plus, the work done by these vendors is guaranteed for two years.
❌ Limited after-hours support
Besides a 24/7 emergency claims phone line and chatbot, support from a live Sonnet employee is only available Monday to Friday from 8 AM to 6 PM ET. If you need help from a human outside of these hours or live outside the Eastern Time Zone, you’ll likely have to wait until the next business day.
✅ Available in most provinces
Sonnet home insurance is available in most provinces, but not all. While homeowners in Ontario, Quebec, British Columbia, Alberta, New Brunswick, Nova Scotia, and Prince Edward Island can get coverage, those in other provinces will need to explore alternative options.
❌ Mixed online reviews
As of May 2025, Sonnet’s ratings vary among online review websites, with just 1.5 out of 5 stars on InsurEye and a much higher 4.2 out of 5 on TrustPilot. While reviews are mixed, some customers report frustration with procedural inefficiencies and communication issues when dealing with Sonnet’s customer service team on both sites.
✅ Access to third-party deals for customers
Sonnet offers access to exclusive discounts, promotions, and free offers from partner brands like TELUS, Homewise, and Tangerine. While it’s a nice perk, if none of the offers apply to your lifestyle or needs, the value may be limited.
❌ Bundling savings may fall short
Like most insurance providers, Sonnet advertises that you can save money by buying both your home and car insurance with them. While this can offer some savings, a mix-and-match approach to bundling – where products and pricing from multiple carriers are considered – could potentially help you maximize your potential savings.
Sonnet vs. YouSet home insurance
After getting a home insurance quote from Sonnet and doing your own research, it’s always wise to compare the quoted price to a policy from an alternative provider, such as YouSet, to see if that’s truly the best price you can get or if there’s a better deal available.
Since 2017, YouSet has been making it easier for Canadians to buy home and car insurance online. Why spend hours manually comparing quotes when our proprietary technology can do it all for you in less than 4 minutes? Not only that, but we’ll also have Canada’s top insurance providers competing for your business, ensuring you get the best price year after year. With over 300,000 users and an average online review rating of 4.9 stars, YouSet is a broker well worth considering.
Best price year-after-year
YouSet’s algorithms are designed to do one thing - find you the best price. Not just the first time you buy, either. If your price increases at renewal, we’ll alert you and even help you re-shop with another carrier.
Transparent renewals
Anytime a YouSet insurance policy comes up for renewal, our team will make sure you’re paying the best price possible for your policy. If that’s no longer working, we’ll help you re-shop another carrier for a better deal.
Mix-and-match approach to bundling
YouSet is the only digital broker in Canada that automatically compares the cost of bundling home and car insurance from a single carrier against the cost of mix-and-matching home and car carriers. Whichever option offers the maximum savings is the one we present to you.
Buy, manage, and renew your policy online
How much easier would it be if you could purchase a policy, personalize it to fit your needs, make modifications to it, and renew it, all without having to make any phone calls or wait on hold? With YouSet, you can do all that and more with our self-serve features.
Highly reviewed by Canadians
With an overall rating of 4.8 out of 5 stars on Google, the general consensus among YouSet users is that YouSet is making it easier to find affordable insurance and buy it online at the best price year after year.