Compare Home and Auto Insurance Bundle Quotes | Save up to 20%

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Written by Nolan Wilson Updated on June 12, 2025 min read

Simplify and save with bundled home and auto insurance

Are you looking to bundle your home and auto insurance to save more? Premiums for your home and auto insurance 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 compare home and auto insurance bundled quotes from top Canadian insurance companies to get you maximum savings. Bundle up with ThinkInsure to save more on your insurance.

Top things to know about home and auto insurance bundles

Save up to 20% or more when you bundle home and auto insurance.
Comparing home and auto insurance bundled quotes could save you more than $722 annually.
Bundled policies are easier to manage and save time and money.

How to compare bundled home and auto insurance quotes

It's easy to find the lowest bundled rates from insurance providers.

1) Begin

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

2) Compare quotes

See bundled quotes and coverage from the top insurers.

3) Select your rate

Choose the best bundled rate and coverage .

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What is a home and auto insurance bundle?

A home and auto insurance bundle combines your home and auto policy together with the same insurance company. It is usually the best way to get the lowest premium for your home and auto coverage. Insurers offer significant savings of up to 20% when you bundle coverage for your home and vehicle together.

Bundles also 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.

What are ther different types of insurance bundles?

The most common type is the home and car insurance bundle, but can combine many different types of insurance products to create a bundle. You can bundle insurance for your motorcycle, cottage, and many other types together.

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.

Expert savings advice - bundle your home and auto insurance

As an insurance professional, one of the most effective ways I advise clients to reduce their monthly expenses is by bundling their home and auto insurance. You can expect potential discounts of 20% or more! Beyond the substantial savings, bundling simplifies insurance management by consolidating everything with a single provider — a true win-win.

Felicia Owoyemi

Insurance Broker (RIBO)

Ready to bundle up? Call us and save more!

Monday-Friday: 8am-6pm
Saturday: 9am-5pm

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

Black SUV in driveway of residential home

You could save over 20% on your combined home and auto premiums in Ontario. However, how much you will save depends on the provider. You could save more or less. Bundle discounts can range from 5% to 20% or more. 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.

An example of how insurance bundles work

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 total insurance costs to $2,400.

What is the average home and auto insurance bundle savings in 2025?

It makes financial sense to combine your home and auto insurance policies in Ontario. Based on Ontario's provincial average rates for a home and auto policy, you could save more than $722 annually if you bundle your policy. Our customer quote data suggests you could have a monthly savings of $60.10.

	Annual premium	20% bundle discount	Potential savings
Home policy	$1,411	$1,128
Auto policy	$2,195	$1,756
Combined	$3,606	$2,884	$722

How much can you save with a multi-car insurance bundle?

Bundling all your vehicles under one policy is easier to manage and will save hundreds of dollars per car. Based on our customer data, bundling two or more vehicles will save you about $360-$390 per year, per vehicle.

	Annual premium	Average rate per vehicle	Total savings	Savings per vehicle
1 car	$2,142	$2,142
2 cars	$2,728	$1,364	$778	$389
3 cars	$3,162	$1,054	$1,088	$363

ThinkInsure tip : Maximize savings with bundled home and auto insurance

Saving money is the top reason to bundle home and car insurance coverage. There’s no question about it. However, an overlooked benefit of bundling is simplicity. Combining all your insurance with one provider just makes it easier to manage. One contact person to address all your insurance needs - questions, coverage changes, update personal information, and claims.

Why should you bundle home and auto insurance policies together?

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 if both are impacted by an accident. This makes it easier to manage your claim.

How can you get cheaper bundled home and auto insurance coverage?

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

Use a broker: An insurance broker can help you find the cheapest home and auto bundled quotes. They have partnerships with multiple insurers. You’ll be able to find the best bundle 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.

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2025-05-04

Besty was incredibly kind and helpful during a stressful time. I had no idea that a handheld ticket would result in my insurance company dropping me. It was a year after the ticket that I was informed of this so I was shocked and stressed. Besty assured me that we had time to figure out a solution and she worked around my busy schedule to find me the best insurance products to suit my situation. Besty is a 10/10 recommend!!!

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2025-05-01

I cannot say enough great things about Todd A! From start to finish, he provided an exceptional customer experience that truly stood out. Not only was he incredibly knowledgeable and efficient, but his kindness and cheerful attitude made the process smooth and absolutely stress-free. What could have been overwhelming was instead seamless and easy, thanks to his reassuring guidance and expertise. He was always quick to respond, informative, and genuinely invested in ensuring I got the best coverage for my needs—all while making sure I felt comfortable and confident every step of the way. His level of professionalism and warmth turned what could have been a daunting task into an absolute pleasure. If you're looking for someone who goes above and beyond to provide top-tier customer service, look no further than Todd A at ThinkInsure. Thank you for making this experience effortless and enjoyable, you made this all happen for me!

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2025-04-24

I highly recommend ThinkInsure when looking for Insurance, Betsy Bannon was a huge help! As a high risk driver it was very difficult to find a premium i could afford and only had a few weeks to do so. I contacted ThinkInsure and Betsy was able to explain everything and find me a great policy right away. Thank you Betsy!

Keira Busby

2025-04-17

very friendly and willing to help anyway they can! great experience all way round.

Dharma Buyse

2025-04-17

Betsy Bannon was so helpful! I was insuring my new truck with my first personal policy and after one broker went mia on my calls she picked up, although from commercial department, and still handled everything for me within 24 hours! Also she pointed out that previously the drivers history was forgotten about in the prior list of documents that was requested from me. Definitely knows exactly what she’s doing and works great winging it in a different department than her specialty! I’m a high risk driver for one more year, unfortunately (did not follow cops advisory to fight distracted ticket while checking directions at a red) but she found the best quote for me, and revised this last minuite to find one that further accepted my 8year claim free policy on a commercial registered insurance. She was friendly, prompt to reply, patient, personable, and very knowledgeable. Finding insurance with one more year of this record has been discouraging as a now overly cautious driver, but she made it as seamless as possible

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2025-04-16

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Csaba Deac

2025-04-11

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2025-04-10

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Home and auto insurance bundle 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.

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.

Do all insurers offer bundles?

Most insurance providers offer insurance bundles. However, the type of bundles offered can vary. Some have many types of coverage combinations, while others have basic options. Speak with the insurer to understand the bundling options they offer.

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.

Who is the best company to bundle home and auto insurance with?

The best insurer for bundled home and auto 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 bundle 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.

Can you bundle 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.

Get better rates with a home and auto insurance bundle

We can help you save more by comparing bundled home and auto insurance quotes from the top providers in the country. It only takes and couple of minutes online or over the phone to find the lowest quotes. Save up to 20% or more when you bundle you home and auto coverage. Get a free quote today!

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Sources

* Estimated premiums are based on data entered by people on ThinkInsure.ca from January 1, 2025, to March 31, 2025, for home and auto coverage.

** Estimated premiums are based on data entered by people on ThinkInsure.ca from January 1, 2025, to March 31, 2025. Drivers with a clean record, G licence, residing in Ontario

Nolan Wilson

Content Marketing Manager

Nolan is a content marketing manager and writer at ThinkInsure. He has 15+ years of experience in the insurance industry, working with brokerages and direct insurers to create compelling insurance content, specializing in auto, home, and commercial.

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