Home & Auto Insurance Bundle Savings

1-855-550-5515

See all providers

Simplify and save by bundling home and auto coverage

Are you looking to bundle your home and auto insurance to save more? Insurance premiums for your home and auto can be one of your biggest monthly expenses. Combining insurance policies is one of the fastest, most straightforward ways to reduce your premiums. Bundling your home and auto policy together with the same insurance company will immediately lower your costs.

We can help you compare home and auto insurance bundle quotes from top Canadian insurance companies. Bundle with ThinkInsure to save more on your insurance.

Top things to know about home and car insurance bundles

Save up to 20% or more on your insurance coverage.
Combine all types of coverage under a single insurance provider.
Bundled policies are easier to manage - save time and money.

Bundling your insurance can save you up to 20% or more

Insurers offer significant savings to encourage you to sign up for car insurance when purchasing home insurance and vice versa. Annually, you can save up to :

Save up to 20% on auto
Save up to 50% on home

That’s a significant saving for you. Plus, there are many other benefits you will experience from combining coverage.

We work with the leading insurers, so we can shop for home and auto in Ontario and Alberta for you. It's quick and convenient to get quotes from multiple companies. Our experts will make sure you get all the discounts you qualify for to get you a lower price and savings.

How to get quotes for home and car insurance bundles

It's easy to compare quotes for insurance bundles from the top providers.

1) Begin your quote

Get started with a car insurance quote and select Home + Auto discount.

2) Compare quotes

Compare rates from the top insurers at the same time.

3) Select your rate

Choose the best rate and insurance company.

Get insured

Call us to buy your policy and get insured.

Get Started

What is an insurance bundle?

An insurance bundle, or multi-line discount, combines multiple insurance products together. You combine more than one insurance product with the same company. The most common type is the home and car insurance bundle.

Bundles allow you to simplify the management of your policies. One contact to address all insurance needs is convenient. Bundling appeals because it saves money and makes policies easier to manage. It is usually the best way to get the lowest premium.

Types of insurance bundles

You can combine many insurance products to create a bundle. You can bundle insurance for your motorcycle, cottage, and many other types together. While car and home are the most common, you can bundle all types of products.

Multi-vehicle: Combining more than one auto policy with the same insurer.
Multi-property: Combining more than one property policy with the same insurer.
Multi-line: Combining more than one policy type with the same insurer.

Here’s a list of policies you can combine to create a custom bundle based on your lifestyle:

Vehicle	Property	Other
Car	House	Boat
Truck	Condo	RV
Van	Renters	Travel trailer
Motorcycle	Cottage	Snowmobile
Sports car	Airbnb	Classic car
	Rental unit

The type of products you bundle will affect qualifying discounts and savings. Insurers typically require you to have a home or auto policy in order to insure a product in the other category above.

Popular insurance bundles

Car and home insurance is far and away the most common type of bundle. Here are other popular choices among our customers:

Multi-line

Insure your home with your car, motorcycle, or recreational vehicle and save more.

Multi-vehicle

Have two or more vehicles on the same policy for a multi-vehicle discount.

Car and bike

Bundling your car and motorcycle together gets you a lower rate.

Car + condo insurance

Car + renters insurance

Home + cottage insurance

Home + landlord insurance

What are the benefits of combining your home and auto insurance?

Automatic discount : Bundling your coverage will get you a better insurance discount. You'll pay less for all the protection you add to your policy.
More savings : Saving money is the main reason to combine as you will save the most.
It makes life simpler : Spend less time managing your insurance. You have one payment and one renewal date. Simplify things.
Single payment : Make one easy payment. You’ll get one package in the mail and one payment schedule for both premiums.
Peace of mind : Knowing who to call with questions, concerns, or if you need to file a claim is reassuring. “For some, bundling provides peace of mind. Suppose a severe storm damages your home and your car. It’s comforting to know that you’ll only have to recount your circumstances of loss once rather than to separate insurers. Chances are you’ll also have an established relationship with your insurance provider,” says IBC.
Value : Combining provides you with the greatest overall value. Get savings right away. Get the protection you need at lower rates.
A single deductible : One deductible is better than two. Some providers accept one deductible in the event both are impacted by an accident. This makes it easier to manage your claim.

How much will I save when bundling home and auto insurance?

You could save over 20% on your combined premiums. But how much you will save depends on the provider. You could save more or less. It also depends on the type of insurance, limits, add-ons, claims history, and more. The more types of coverage you combine, the more you will save. Cost savings vary based on the insurance product.

For example, let’s say you pay $1,800 for auto and $1,200 for home insurance. This is a total of $3,000 annually for home and auto. If you were to bundle these policies, you could save up to 20%. In this instance, you would save $600 per year, lowering your costs to $2,400.

What is the average bundled home and auto insurance premium?

Black SUV in driveway of residential home

Defining the average monthly insurance cost for a home and auto policy is difficult. Many factors are considered, including package type, qualifying discounts, location, vehicle use, your insurer, home features, and more.

One thing is for sure – it will likely be less than if you had separate policies. Assess quotes to get an accurate estimate. Combining your average monthly premiums will allow you to see how much you will save.

Is there a cap on how much I can save on bundled insurance policies?

How much you can save on a bundled policy depends on the provider. Some insurers cap savings at a certain percentage or amount, and it can also depend on the products being combined. Speak with your insurer to get clarification.

What information do I need to get the best home and auto insurance quote?

All you need is your home and vehicle details. You may need to provide additional information if you are combining other insurance products.

Driver : Age, gender, location, driving history
Car : Make and model, year, features
Home : Location, age, build type and materials, square footage
Coverage : Limits, deductibles, types, add-ons

The more complete details you provide, the more accurate an estimate you’ll receive.

How can you get lower combined home and auto insurance coverage?

You can pay less for your home and auto insurance in many ways. Here are a few :

Use an expert : An insurance advisor can help you to find the most affordable bundles. They have partnerships with multiple insurers. You’ll be able to find the best package to meet your needs at home and when driving.
Choose the best option for you : Consider limits, potential discounts, deductibles, and other factors related to the insurance you need.
Review each year : Things change. So do your needs. Assess estimates, adjust coverage, and assess each year. This will help you capitalize on cost-saving opportunities.

Our customer reviews

Rated 4.7 out of 5 stars in 1448 Google reviews

See what our customers are saying about us.

See all reviews

steve jonkhans

2024-09-26

i used thinkinsure to navigate a complicated car insurance situation after my prior broker could not find me the insurance i required. Denise Snyder Phillips was my agent and she was extremely helpful, efficient and responsive. Highly recommend thinkinsure for your insurance needs and ask for Denise!

Carrie Crump

2024-09-24

Young man is super amazing and caring . Top top notch service !!! Very kind gentleman

DJ G

2024-09-24

I was shopping around for some new auto insurance rates as my current policy was ending soon and was looking for cheaper premiums. I called ThinkInsure, and Todd helped me with the process start to finish. Communication with him after my initial phone call was flawless through email, often replying right away during business hours. He was easy to ask questions and provided multiple quotes to me when I needed to make some changes. I ended up getting better coverage for a much lower premium compared to my current provider with ThinkInsure. Thanks Todd for the seamless experience and helping me get setup!

Philip Witteveen

2024-09-23

Denise is fantastic! She is so kind and patient and works hard to listen and provide you with the best insurance available to you. Denise also continues to look for the cheapest options for you that provides you with the top notch coverage. I would highly suggest connecting with Denise if you're looking for great insurance, good prices, and to work with someone that actually cares. 5 star plus!

Cassandra Brookes

2024-09-20

I had been in the market for new insurance for a while, not getting many great quotes and then I come to find Todd Allen through ThinkInsure and have only great things to say about my experience. Knowledgeable, honest, responsive and made insuring my vehicle a breeze. Within 4 emails back and forth, signing e documents and a final email to confirm I was set up and ready to go. Could not recommend his services enough! Thanks Todd !!

Ginny Sweet

2024-09-19

I was in a difficult situation trying to renew my insurance after my last company stopped providing insurance. Bailey made the whole process quick and easy. I had paperwork signed and documents to me within a few hours of our initial conversation. I am forever grateful

Durai samy Easwarakumar

2024-09-18

Todd Allen such a nice auto insurance advisor Doing a excellent service 👍buy the costumer’s satisfaction to get an cheaper code in the current market 😀

Jenniffer

2024-09-17

great service, sohel rahman was incredible helping us get the insurance we needed, thank you!

Home and auto insurance FAQs

Is a multi-line discount the same as an insurance bundle?

Multi-line is very similar to an insurance bundle. Some insurers call it an insurance package. You have more than one type of coverage in your policy. When you take out a multi-line policy, you will save money on all coverage.

Is it a good idea to bundle home and auto insurance in Ontario?

In most cases, it is best to bundle your insurance in Ontario and other parts of Canada. But, if you have very specific needs, separate policies may be a better solution. Check with your advisor to see if combining Ontario car insurance with your home policy makes sense.

Can you combine insurance policies with other people - roommates, friends, girlfriend/boyfriend?

Yes, it is possible to combine insurance policies with other people. However, insurers typically have some rules for you to qualify. For example, you may need to reside at the same address. Qualification requirements can vary by insurer. Speak with them to get clarification.

Who is the best company for home and auto insurance?

The best insurer for home and car insurance depends on your specific needs. Not all companies offer the same types of policies. One insurer may be better for you. But it may not be for another person who has different needs.

Does it ever make sense not to combine home and car insurance policies?

It is possible. You could have two great policies with separate insurers. If you combine, you may lose some protection or loyalty discounts. You won’t know without comparing prices. There are some instances where it may not make sense. Speak with your insurer and review your options. Make the switch and combine if it makes sense for you.

Get better rates on your home and auto insurance

We can help you review home, auto, and all types of insurance plans from the leading providers in Canada. We can find you the custom solutions you need. Don’t compromise. Get the protection you need for a lower rate with ThinkInsure.