Find your best car and home insurance bundle quotes
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How to get a bundle insurance discount in Canada
House & auto
Bundle your homeowners insurance with your auto insurance.
Condo & auto
Bundle your condo insurance with your auto insurance.
Tenant & auto
Bundle your renters insurance with your auto insurance.
What is a home and car insurance bundle?
Matt Hands, VP, Insurance
A home and car insurance bundle refers to buying both home and auto coverage from the same insurance provider. Most property and casualty (P&C) companies offer multiple types of insurance, including car insurance, motorcycle insurance, home insurance, condo insurance, and tenant insurance.
By selecting the same insurer for multiple coverage needs, also known as purchasing an insurance bundle, you could be eligible for a discounted premium. Insurance companies value loyal customers, and a bundle discount is one way providers can thank you for your business.
What are the types of multi-policy discount insurance?
A multi-policy discount is the same as an insurance bundle; by purchasing more than one policy from a single insurer, you can bundle your products together and receive a lower coverage rate. Here are common types of multi-policy discounts:
A multi-vehicle insurance bundle means you’re purchasing more than one auto insurance policy from the same provider for a discounted premium. While this is typically most common for those who own multiple cars, some other variations of a multi-auto insurance bundle include:
- Car insurance + van insurance
- Truck insurance + boat insurance
- Car insurance + motorcycle insurance
- Sports car insurance + classic car insurance
Benefits of bundling your auto and home insurance
Save on your auto and home insurance
The biggest benefit to bundling your policies under one insurer is the specialty discount you can receive. Each insurance company is different, but you can expect a certain percentage in savings when staying loyal to your provider. Compare rates to find the one that saves you the most.
Pay one deductible for shared claims
By bundling your insurance, some providers may only require you to pay one deductible for shared claims against both your vehicle and home. For instance, if a storm damages your house and car, you may get away with paying your deductible once, instead of dealing with multiple policies with different insurers.
Stay on top of your insurance bill
Having too many bills to pay at the end of the month could result in you forgetting to pay one, and you wouldn’t want your coverage to be cancelled because of one small mistake. Bundling all your policies together makes the process much easier every time.
Reduce your risk of being dropped
If you have multiple insurance policies under one provider, you could reduce the likelihood of losing your coverage. Let’s say you made several car insurance claims in the last year, causing your insurer to consider dropping you as a customer. Bundling policies could reduce your chances because it shows you’re providing good business.
See how much you can save with a bundle insurance quote.
Get the best coverage at the right price by comparing bundle home and car insurance quotes online, for free. It only takes 5 minutes to save hundreds of dollars today.
What is the best car and home insurance bundle in Canada?
Although most property and casualty (P&C) insurers offer the option to combine your auto and home policy together, here’s a list of some popular insurance companies in Canada that offer insurance bundles, and the discount you can expect to receive. Keep in mind, however, that the largest discount doesn’t necessarily mean you’re getting the best premium. Every insurer calculates home and car insurance quotes differently, so to make sure you’re getting the lowest rate possible, be sure to compare bundled insurance quotes with us.
| Insurer | Bundle discount |
| Allstate Insurance | You could save an average of $1,034 when bundling car and home insurance. |
| Aviva Canada | You may be eligible for a combined policy discount when you bundle auto and home insurance. |
| Belairdirect Insurance | You can get up to 16% off your home insurance and up to 20% off your car insurance. |
| CAA Insurance | You can receive 10% off your auto insurance and up to 12.5% off your home insurance. |
| Co-operators Insurance | You could unlock discounted coverage with a car and home insurance bundle. |
| Desjardins Insurance | You can receive up to 35% off your premium when you bundle your home and car insurance. |
| Economical Insurance (Definity) | Ask your insurance broker for more details on auto and home bundle discounts. |
| Gore Mutual Insurance | Ask your insurance broker for more details on auto and home bundle discounts. |
| Intact Insurance | You can receive up to 15% off your car insurance and up to 5% off your home insurance. |
| Onlia Insurance | You can save up to 30% on your home insurance and 20% on your auto insurance when you bundle the policies. |
| Pembridge Insurance | Ask your insurance broker for more details on auto and home bundle discounts. |
| RBC Insurance | You could save up to $805 when you combine your home and auto insurance polices. |
| SGI Insurance | Ask your insurance broker for more details on auto and home bundle discounts. |
| TD Insurance | Alumni and professionals who bundled car and home insurance saved an average of $1,870. |
| Unica Insurance | You can save up to 25% on your home insurance premiums or 20% on your car insurance when you bundle. |
| Wawanesa Insurance | You could be eligible for a discounted rate on both your home and auto insurance when you bundle. Ask your broker for details. |
How do you save on bundling home and auto insurance?
The more insurance products you bundle, the more you can save. Depending on the insurance provider and type of product bundle, you could see anywhere from 5% to 50% off discount. That’s why we recommend comparing home and auto insurance bundle quotes – to make sure you find the best rates possible.