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Jump straight to:
- What is home and auto insurance bundling?
- Types of insurance bundles in Canada
- Who should bundle insurance policies
- How much you can save with different insurers
- Why bundling insurance policies is a smart choice
- How to quote your home and auto insurance bundle on Rates.ca
- Average bundled savings by Ontario city
- How do bundle discounts compare across Ontario cities?
- Recent bundling quotes
- When is a good time to bundle?
- Things to consider before you bundle your home and auto insurance
- Frequently asked questions about home and auto insurance bundles
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What is home and auto insurance bundling?
Bundling your home and auto insurance is a simple way to save money! It means combining both policies with the same insurance provider, which can unlock discounts of 5% to 18%—sometimes even more, depending on the company. It’s one of the easiest ways to keep more cash in your pocket.
While bundling is most popular for home and auto insurance, you can also bundle condo insurance or tenant insurance with your auto coverage to score extra savings. It’s a smart move to save money and make managing your insurance a breeze.
Types of insurance bundles in Canada
Bundling your insurance policies is a smart way to save money and simplify your coverage. By combining multiple policies under one provider, you can unlock discounts, reduce paperwork, and make managing your insurance easier.
Whether you own multiple vehicles, properties, or need a mix of different insurance types, there’s a bundle that fits your needs. Plus, bundling often comes with added perks like better customer service and streamlined claims processing.
Here’s a quick overview of the most common types of insurance bundles and how they can work for you:
Multi-vehicle policy
Bundle multiple vehicle insurance policies with the same provider to enjoy a discounted rate. This is ideal for people who own more than one vehicle, such as cars, motorcycles, or even boats.
- Car insurance + van insurance
- Truck insurance + boat insurance
- Car insurance + motorcycle insurance
- Sports car insurance + classic car insurance
Multi-property policy
If you own or rent multiple properties, combining your insurance policies under one provider can help you save on premiums. It’s a great option for homeowners, landlords, or condo owners.
- Home insurance + cottage insurance
- Home insurance + landlord insurance
- Condo insurance + Airbnb insurance
- Condo insurance + renters insurance
Multi-line policy
Combine different types of insurance—like home, auto, and more—into a single policy to simplify your coverage and save money. This is perfect for those with diverse insurance needs.
- Home insurance + RV insurance
- Renters insurance + motorcycle insurance
- Condo insurance + car insurance + motorcycle insurance
- Home insurance + truck insurance + RV insurance + boat insurance
Who should bundle insurance policies?
Bundling insurance policies isn’t just for everyone—it’s for anyone looking to save money and simplify their life! Let’s explore some real-world scenarios where bundling can make a big difference:
Case 1: The Smith family + +
The Smiths own two cars and a home in London, Ontario. By bundling both of their car insurance policies and home insurance under one provider, saving 16% on each policy. Instead of paying $6,942 annually for all 3 policies, they now pay $5,831.
By combining their three policies, they saved over $1,110 a year on insurance for their family.
Case 2: Sarah the renter +
Sarah rents an apartment in Ottawa where she pays $293 for tenant insurance. She also owns a car where her annual premium is $2,071. She decided to bundle her insurance to save 15%, bringing her total of $2,364 to $2,009.
Saving her $355 on insurance annually and allowing her to manage her policies all in one place.
Case 3: John the property investor +
John owns multiple rental properties. By bundling his landlord insurance policies under one provider, he not only saves 20% on his premiums, but also simplifies the process of managing insurance for all his properties.
The more policies John decided to bundle, the more he will save on his insurance.
Case 4: Emily the condo owner +
Emily, a proud car owner and new condo buyer in Brampton, was paying $580 annually for condo insurance and $3,848 for car insurance. After comparing her options on Rates.ca, she decided to bundle her policies. By bundling, Emily reduced her total insurance costs by 18%, bringing her yearly expenses down to just $3,630.
Saving her over $750 annually on insurance costs
These are just a few examples of how bundling can benefit different people. Whether you’re a homeowner, renter, property investor, or just someone looking to save, bundling your insurance policies is a smart move!
Here is how much you can save with different insurers
| Insurer | Bundle Discount |
|---|---|
| Allstate Insurance | Save up to 25% when you bundle your home and auto insurance with Allstate Canada. |
| belairdirect Insurance | Bundle and save up to 20% with belairdirect insurance. |
| CAA Insurance | You can save 10% off your auto insurance and up to 12.5% off your home insurance when bundling with CAA. |
| Co-operators Insurance | Save up to 40% on Home and Auto insurance in Ontario. |
| Desjardins Insurance | Save up to $900 when combining two vehicles on one policy. |
| Intact Insurance | Combine your home and auto insurance to save up to $650. |
| RBC Insurance | Save 10% when bundling home and car insurance with RBC. |
| TD Insurance | Ontario residents can save up to $542 when bundling home and car insurance. |
Why should you bundle insurance?
Bundling your insurance policies isn’t just convenient—it’s a smart financial move. By combining your policies with one provider, you can enjoy a range of benefits that make your life easier and your wallet happier.
Key Benefits:
Cheaper rates: Save money with discounted premiums for bundling multiple policies under the same insurer.
Simplified management: Keep things simple by managing all your policies in one place, with one point of contact.
Extra perks: Enjoy potential additional benefits like loyalty rewards, enhanced coverage options, or faster claims processing.
Why bundling insurance policies is a smart choice
Bundling your insurance policies, such as home, auto, or other types of coverage, under one provider offers several advantages that go beyond just convenience. By combining your policies, you can often unlock significant discounts, saving you money on your premiums.
It also simplifies your life by consolidating your coverage into a single account, making it easier to manage payments, renewals, and claims.
Insurance companies reward customers who bundle because it strengthens their relationship with you. In return, you benefit from cost savings and streamlined service. Whether you own multiple vehicles, properties, or need a mix of coverage types, bundling is a practical way to maximize value while ensuring comprehensive protection.
| Benefit | Separate policies | Bundled policies |
|---|---|---|
Save money on premiums Reduce your overall insurance costs by bundling policies. | X |
|
Simplify policy management Manage all your policies in one place for convenience. | X |
|
Access to bundle discounts Enjoy exclusive discounts when you combine multiple policies. | X |
|
Customized coverage options Tailor your insurance to meet your specific needs. |
|
|
Fewer billing hassles Consolidate your bills into a single, easy-to-manage payment. | X |
|
How to quote your home and auto insurance bundle on Rates.ca
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Begin an auto or property insurance quote. When you get to the discounts section, check yes if you're interested in bundling.
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Connect with the provider and secure your rate.
Average home and auto bundling saving by Ontario city
| City | Avg monthly home insurance | Avg monthly auto insurance | 18% yearly savings |
|---|---|---|---|
Ajax | $721 | ||
Barrie | $690 | ||
Belleville | $137 | $637 | |
Brampton | $935 | ||
Brantford | $704 | ||
Burlington | $646 | ||
Cambridge | $654 | ||
Cornwall | $160 | $762 | |
Etobicoke | $929 | ||
Guelph | $619 | ||
Hamilton | $791 | ||
Kingston | $577 | ||
Kitchener | $654 | ||
London | $769 | ||
Markham | $844 | ||
Milton | $668 | ||
Mississauga | $894 | ||
Muskoka | $643 | ||
Newmarket | $704 | ||
Niagara Falls | $719 | ||
North Bay | $142 | $663 | |
North York | $113 | $888 | |
Oakville | $647 | ||
Orangeville | $124 | $703 | |
Ottawa | $633 | ||
Oshawa | $800 | ||
Peterborough | $616 | ||
Pickering | $783 | ||
Richmond Hill | $780 | ||
Sarnia | $707 | ||
St. Catharines | $667 | ||
Stratford | $126 | $645 | |
Toronto | $805 | ||
Vaughan | $837 | ||
Waterloo | $632 | ||
Whitby | $713 | ||
Windsor | $821 |
On average users in Ontario save $782 yearly when bundling home and auto insurance.
How do bundle discounts compare across Ontario cities?
Bundling your auto and home insurance is hands-down one of the easiest ways to save. In the Greater Toronto Area (GTA), the average bundling discount is around $631 per year. That’s hundreds of dollars back in your pocket just for combining your policies. Cities like Brampton ($780) and Etobicoke ($775) lead the way with the biggest savings, but even in places like Milton ($557) and Oakville ($539), bundling is a no-brainer. Why pay more when you can bundle and save?
Save over $600 a year: On average, bundling your auto and home insurance can save you over $600 annually. That’s money you can use for a weekend getaway, a fancy dinner, or even to pad your savings account. In cities like Brampton, you could save up to $780 a year—imagine what you could do with that extra cash!
High-cost cities, huge savings: If you live in a high-cost city like Brampton, Etobicoke, or Mississauga, you know how expensive insurance can be. But here’s the good news: bundling can slash your costs significantly. For example, Brampton’s new price after bundling ($4,420) is almost the same as what people in lower-cost cities like Windsor ($3,880) or Cornwall ($3,600) are paying without bundling. That’s the power of bundling—turning high costs into manageable ones and saving you hundreds in the process.
Low-cost cities, extra savings: Even if you’re in a city like Kingston, Belleville, or Peterborough, where insurance costs are already lower, bundling still puts money back in your pocket. With average savings of over $600 a year, bundling is a win no matter where you live. It’s like getting rewarded just for being smart with your insurance.
Bundling is the great equalizer: Whether you’re in a high-cost city or a low-cost one, bundling levels the playing field. It allows people in expensive cities to pay nearly the same as those in lower-cost cities who don’t bundle. That’s hundreds of dollars saved every year, just by combining your policies. It’s simple, effective, and makes insurance more affordable for everyone.
At the end of the day, bundling your insurance isn’t just about saving money, it’s about making your life easier and your wallet happier. One policy, one payment, and savings of over $600 a year.
Recent bundled auto and home insurance quote in Canada
Male, Age 37
2024 LUCID AIR PURE 4DR
HIGHRISE in North york, ON
June 20, 2026
Cheapest Quote
$ 390 / month
$ 4,679 / yearAverage Quote
$ 631 / month
$ 7,571 / yearSavings
$ 241 / month
$ 2,892 / year
38.20 %
Male, Age 47
2023 FISKER OCEAN EXTREME 4DR AWD
SEMIDETACHED in Toronto, ON
June 20, 2026
Cheapest Quote
$ 381 / month
$ 4,573 / yearAverage Quote
$ 675 / month
$ 8,099 / yearSavings
$ 294 / month
$ 3,526 / year
43.53 %
Male, Age 45
2000 ISUZU RODEO LSE 4DR 2WD
HIGHRISE in Toronto, ON
June 20, 2026
Cheapest Quote
$ 151 / month
$ 1,817 / yearAverage Quote
$ 174 / month
$ 2,084 / yearSavings
$ 22 / month
$ 267 / year
12.79 %
Auto and home insurance bundle quotes are compared from CAA, Echelon Insurance, Economical Insurance, Gore Mutual
*The savings percentage mentioned reflects the average amount that customers have saved by comparing insurance rates on rates.ca. It does not represent or guarantee the specific amount of savings that can be achieved through bundling policies. Individual savings may vary based on factors such as coverage options, provider rates, and personal circumstances.
When is a good time to bundle?
A good time to bundle your insurance is when:
- Moving to a new home
- Adding a vehicle
- Renewing your existing policies.
Bundling is also a smart move if you’re looking to save money or simplify your insurance management. Additionally, bundling can be especially beneficial during major life changes, such as getting married, starting a family, or downsizing your home.
These moments often come with shifts in your insurance needs, making it the perfect opportunity to explore bundle discounts and streamline your coverage. Don’t forget to revisit your bundled policies annually to ensure they still meet your needs and provide the best value. Life evolves, and so should your insurance!
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Things to consider before bundling your home and auto insurance
- Evaluate your coverage needs: Bundling is a great way to save, but it’s important to tailor your coverage to your specific needs. Only pay for what you truly require. Review the types of policies available and determine if adding extra coverage makes financial sense. Remember, less coverage typically means lower premiums.
- Compare providers: Shopping around is one of the most effective ways to reduce your insurance costs. Use comparison tools to explore premiums from top-rated insurers nationwide. When bundling home and auto insurance, you could unlock discounts of up to 15%, making it a smart financial move.
- Review your policies annually: Life changes, and so do your insurance needs. Reassess your bundled policies every year, especially at renewal time, when switching providers won’t incur penalties. Adjust your coverage to match your current circumstances and maximize savings.
Frequently asked questions about home and auto insurance bundles
What is a multi-line discount?
A multi-line discount is another way of saying bundling. Both terms refer to the discount you receive when you buy multiple different insurance policies, such as auto and home, from the same provider.
What happens if my home and car get damaged at the same time?
If there is an incident in which your home and car are both damaged, (for example, you reverse into your driveway, and your rear bumper hits your house), a bundled home and auto policy means you may only have to file one claim and may only have to pay one deductible.
Without bundling, you would have to file separate claims for home and auto, recounting the event for each insurer, and paying separate deductibles. Considering how much you can shave off your costs when you bundle your home and auto insurance, comparison shopping for the best policy is worth your while
How do I bundle home and auto insurance on Rates.ca?
It’s simple and fast. When you get a free car insurance quote on Rates.ca, you will be asked if you want to move your home insurance to the same company for a discount. Select “yes”. Once you receive a quote for the best policy with a home and auto insurance bundle, we’ll connect you with the insurance provider, who will ask a few more questions about your home, your car and your insurance history.
After using our free, online tool to get a home insurance quote, speak with a broker to find out more about how to save by bundling the new policy with any existing auto insurance policy.
When is insurance bundling not a good option?
We recommend bundling to most consumers; however, it may not be advantageous for those in unique circumstances. For example, if your home is not insurable, there’s no benefit to bundling it with auto insurance. Similarly, if you’ve been deemed a high-risk driver, you may only be able to get auto insurance coverage from a specialty provider which is unlikely to also provide home insurance coverage.
Can I bundle policies with different start dates?
Yes, many insurers allow you to bundle policies with different start dates. However, the discounts may only apply once all policies are active. Check with your insurer for specific details.
What happens if I cancel one policy in a bundle?
If you cancel one policy in a bundle, you may lose the discount associated with bundling. It's best to consult your insurer to understand the implications before canceling.
Are there any hidden fees or restrictions?
Most insurers are transparent about their bundling discounts, but it's always a good idea to review the terms and conditions. Some restrictions may apply, such as eligibility criteria or specific coverage requirements.
Can I bundle insurance if I already have an existing policy?
Yes, you can often bundle insurance even if you already have an existing policy. Your insurer may adjust the start date of the new policy to align with your existing one for bundling purposes.
What if I move to a new province?
If you move to a new province, your bundled policies may need to be updated to comply with local regulations. Contact your insurer to ensure your coverage remains valid and to adjust your bundle if necessary.
Are there any discounts for bundling more than two policies?
Yes, some insurers offer additional discounts for bundling more than two policies, such as adding life or motorcycle insurance to your home and auto bundle. Check with your insurer for specific multi-policy discounts.
Save on home and car insurance bundles with Rates.ca
Bundling your home, condo or tenant insurance with your car insurance could save you hundreds of dollars each year.
Use Rates.ca to find a better rate. Compare quotes for insurance bundles today.
Shivani Kaul, Content manager
Shivani is a Content Manager at Rates.ca, focusing on mortgages. She is an experienced communication and marketing professional who specializes in content strategy and SEO optimization. Shivani ensures that our written materials meet the highest standards of quality and relevance.
She holds a Digital Marketing Management certificate from the University of Toronto, a Business Communications certificate from the University of British Columbia, a Masters degree in Mass Communication from Symbiosis Institute of Media and Communications and a Bachelor's degree in English from the University of Delhi.
Shivani has previously worked as a deputy digital productions editor with PMNA-The Canadian Press, and as an editor with The Globe and Mail, Toronto Star, and the Investor's Digest of Canada. She has also worked in reputed news media groups in India and the Middle East.
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