Get tenant insurance in Edmonton: Fast, easy coverage

Your spouse or common-law partner and your kids are already covered by your policy. Anyone else who is living with you and is also on your lease can be added to your tenant policy to share coverage. To do this, just add them as a tenant when you buy your tenant insurance online.

If you’ve already purchased and want to add them to your existing Sonnet policy, log in to your account and click on your tenant policy. Select the Tenants tab and click Add a tenant.

Here are the details you’ll need to have ready for your roommate:

• Their full name
• Their date of birth
• Their email address
• Their phone number

Once all of this has been entered, click Add. Your policy documents will update to include their name.

Yes, there are coverage limitations for certain belongings. Some personal belongings fall into a category called standard limits. These items are covered up to a fixed-dollar limit and these limits cannot be increased. Things like business property, gift cards and spare auto parts fall into the standard limits category.

You’ll see a full list of items in the standard limit category when you complete a tenant insurance quote. If you’re already a home customer – find the list in your policy wording document.

Learn how your personal belongings are covered.

During home insurance calculation, insurance companies look at a complex set of factors. These will determine the likelihood of you making a claim – and how much a claim could cost. The higher the likelihood is, the higher your premium will be.

Factors that can affect your home insurance premium include:

• Where your home is located 
  Based on your postal code, an insurer can find out how many claims are made in that area – and why they happen. For example, if your area has frequent windstorms, there could be more frequent claims for damage. This could cause your home premium to be higher than that of a house in an area that doesn’t have windstorms very often.
• Home age and condition 
  The older the building, the higher the likelihood of a claim. That’s because things like old wiring (fuses, for example) are a bigger risk for fire. And, old plumbing increases your risk of claims due to sudden leaks or burst pipes. 
• Heating equipment
  If your home is heated with oil (like it is in many rural areas), your premium could be higher. Oil tank leaks increase risk of damage and environmental hazards. Wood stoves are also a common source of house fires, so they could raise your payments, too. 
• Proximity to fire support 
  If your home is close to a fire station and fire hydrants – like in an urban area – your premium could be lower than a home in a rural location, where travel distance is longer. 
• Number of past claims 
  The longer you’ve been claims free, the lower your premium will be. If you’ve had a claim in the last year, you can expect your premium to go up at renewal. 
• Your age and other information about you 
  As you get older, your premium will tend to decrease. The fact is, many insurance providers consider homeowners with more experience as less risky to insure. Some insurers could also look at your credit score. 
• How you use your home 
  Do you rent out rooms or a basement unit in your house? Factors like this may also impact your premium since they can increase damage and liability risks. 

Personal belongings are anything that you own that you could pack in a bag or take in a moving van with you. For example, your clothes, laptop, cellphone, refrigerator etc., are all things included in your personal belongings coverage. When you set up your policy, you have the option to set your coverage limit for your personal belongings, based on approximately how much your stuff is worth.

If you have fancier items, like expensive jewellery or silverware, consider whether their cost would be within your overall personal belongings limit. If not, you can either increase your overall limit or add these items separately to your policy. They’ll be covered by their own limit(s) and have no deductible.