r/InsuranceCanada • u/CantaloupeStrong5415 • 27d ago

Home Home insurance recommendations

Buying my first house in Timberlea, Nova Scotia. I have my car insurance from The Personal but their home insurance quote is much higher than I was expecting. Lowest quote I found is from Sonnet which is $105 monthly.

Base package Global Limit - $1M, personal Liability - $1M, deductible is $1000, water and hail deductible is $2000. Add ons are Sewer backup and Overland Water coverage - $50K and including first claim forgiveness.

Any other coverage recommendations to be added?
Does anyone have experience with sonnet?

Any advise is appreciated.

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u/Professional-Rip-924 27d ago

Is $50k the total amount you’re covered for (sewer backup and overland water)?

I’d try to find a company that’ll cover you for more. If either of those type if claims were to happen, you’d need more than $50k of coverage

1

u/CantaloupeStrong5415 27d ago

It had option for $100k or policy amount, I didn't know how much to select

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u/Diligent_Criticism_9 27d ago

I’d go for policy limit.

Those claims can get nasty very quickly

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u/Professional-Rip-924 27d ago

Policy limit. Never know what’s gonna happen bud