Home Insurance
Your home is likely your biggest asset. Sunny makes sure it's insured to full rebuild value, not just the price you paid, and that liability and water risks are covered properly.
What's Covered
Dwelling & Rebuild Value
Coverage to rebuild your home at today's construction costs, reviewed properly, not guessed.
Contents & Belongings
Furniture, electronics, clothing and valuables, with scheduled items for jewelry, art and collections.
Liability Protection
$1M–$2M+ personal liability if someone is injured on your property or you cause damage elsewhere.
Water Damage Options
Sewer backup, overland water and groundwater endorsements, the claims Ontario homeowners actually file.
Additional Living Expenses
Hotel and living costs covered if a claim forces you out of your home.
Bundle Discounts
Combine with auto for 10–15% savings, plus claims-free, mortgage-free and security-system credits.
What Ontario Drivers & Owners Should Know
Ontario rebuild costs have climbed sharply, many homes are underinsured because the dwelling limit was set years ago. Water damage (sewer backup, overland water) is now the most common claim in the province, yet base policies often exclude or cap it. A broker review catches both problems before a claim does.
Who this is for
- New homeowners across Ontario
- Owners whose policy hasn't been reviewed in 2+ years
- Anyone bundling home + auto for maximum savings
- Owners of older homes, finished basements or rental suites
Home Insurance: Common Questions
You need enough dwelling coverage to rebuild at current construction costs, not market value or purchase price. Sunny runs a proper rebuild estimate and reviews it with you, so you're neither underinsured nor overpaying.
Usually not, or only up to a small sublimit. In Ontario it's one of the most common claims, so Sunny recommends the sewer backup and overland water endorsements for almost every homeowner.
In most cases yes, 10–15% off both policies. Sunny compares the bundled price against the best standalone options so you know the bundle is actually the best deal.
Rebuild value, age and construction of the home, heating and electrical updates, claims history, proximity to fire hydrants/stations, and your credit-based insurance score with some insurers.
Ready to get covered right?
Get a free, no-obligation quote shopped across 60+ insurance companies. One conversation could save you hundreds.