Bundle Your Home & Auto Insurance

Streamline your policies and save up to 15%.
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How to bundle your car and home insurance quote on RATESDOTCA

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Begin a car insurance quote. When you get to the discounts section, check “yes” if you’re interested in bundling.


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What is an insurance bundle?

Want to easily save money on your insurance? Purchasing multiple insurance products from the same company is called an insurance bundle, and it’s a smart and simple way to save. Bundling is beneficial for both you and your provider. You get to streamline your insurance with one bill and one renewal date, while your provider can receive business on more than one product. To reward you for this, providers will offer discounts of up to 15% off both policies. Bundling makes sense!

The most common insurance bundle is auto and home insurance, but auto can also be bundled with tenant or condo insurance. Talk to your provider about bundling and start saving today!

Why bundle home and auto insurance?

Every dollar counts, especially when the costs of owning a vehicle and a home seem to go up every year. In Canada, if you drive a car, you legally need car insurance, and if you pay a mortgage, then lenders typically require you to have home insurance as well. Most insurance companies offer multi-product discounts if you buy both of these products from them. The savings are good, too! Insurance companies in Canada offer a 5% to 15% discount off individual policies when you choose to bundle them. Considering the average Ontario resident pays $1,505 per year for car insurance (Insurance Bureau of Canada: 2019 report) and $1,284 for home insurance (J.D. Power Canada: 2018), bundling them together could mean annual savings of $345.15 per year.

Not only does bundling reduce your insurance rates, but your monthly bills too. Since you only need to deal with one provider, you can reduce your insurance bills to only one payment and a single renewal date. It’s a convenient way to save!

Frequently asked questions about bundling home and car insurance

What is a multi-line discount?

A multi-line discount refers to the discount you receive when you buy multiple different insurance policies, such as auto and home, from the same provider.

What are the advantages of bundling my home and auto insurance policies?

Bundling your car and home insurance offers plenty of benefits:

  • You save money on your insurance premiums for all bundled policies
  • You only deal with one insurance company
  • You can combine your bills and payment statements
  • You can align your renewal periods
  • You could have a single deductible
  • You can more easily identify any coverage gaps

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 pay separate deductibles.

How do I bundle home and auto insurance on RATESDOTCA?

It’s super easy! When you fill out a car insurance quote on RATESDOTCA, you will be asked if you want to move your home insurance to the same company for a discount. Make sure you select “yes” to get the right results. Once you select a quote that you are happy with, we’ll connect you with the insurer, who will ask a few more questions about your home.

Save on home and car insurance bundles with RATESDOTCA

Bundling your home, condo or tenant insurance with your car insurance could save you hundreds of dollars each year.

Use RATESDOTCA to find a better rate. Compare quotes for insurance bundles today.

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