Save up to 26% on a home and auto insurance bundle with PolicyMe
Ontario car and homeowners can save on quotes from top Canadian insurers after a simple 10-minute application.
What are the benefits of bundling home and auto insurance?
The biggest benefit of bundling your home and auto insurance together are the savings. Buying two or more products from the same insurance company can get you over 20% on each policy, plus a few other perks.
Easier claims
Working with one insurance company means less back-and-forth if a single accident affects both your car and home, plus you might only have to pay one deductible.
Easier management
One insurance provider means one account, one login, and one point of contact if you have questions.
Exclusive perks
Bundling your insurance can make you eligible for accident forgiveness, claims-free protections, and other exclusive add-ons and endorsements.
"Bundle discounts aren't just a marketing perk. Insurers often charge less because customers who bundle tend to stay longer. Even so, it's worth comparing quotes at every renewal to make sure you're still getting the best value."
—Adam Seguin, RIBO-licensed insurance broker
Get home and auto insurance quotes in 3 easy steps
With PolicyMe, a simple 10-minute online application leads to real, personalized quotes. No fake prices, no sales pressure, no obligation to buy.
- Tell us about your home and car: Answer a few questions about you, your car, and your house so we know what you’re trying to protect. We’ll pre-fill as many details as we can to save you time.
- Customize your coverage: Adjust coverage types, limits, and deductibles for your home and auto policies. Your price updates instantly as you make changes.
- Finalize your coverage: Book an appointment with one of our licensed insurance advisors, or make a call on the spot so we can answer any questions and finalize your picks.
How much can you save by bundling home and auto insurance?
Most Canadian insurance providers offer a discount of 20% or more if you buy home and auto insurance from the same company, potentially saving you hundreds of dollars each year. The table below shows real quotes and savings for PolicyMe home and auto insurance, applied to sample customer profiles:
Blake and Maya
Ages: 35 and 35
Location: Brampton, ON
History: No claims in the past 5 years
Blake and Maya live in a modest townhouse in the GTA. They save by choosing a high deductible, sharing a sedan, and bundling their home and auto policies–which is crucial, given how expensive it is to drive in Brampton.
Home insurance: Broad protection with a $5,000 deductible for $106 per month
Auto insurance: All perils with a $1,000 deductible for $405 per month
Home and auto insurance bundle: $377 per month
$1,618/year
Yearly savings
26% off
Bundle discount
Rumi and Arif
Ages: 44 and 53
Location: London, ON
History: No claims in the past 5 years
Rumi and Arif bought a large, older house to raise their children in a midsize city. Bundling their home and auto insurance helps them offset the expense of insuring two teenage sons and a pair of vehicles.
Home insurance: Broad protection with a $1,000 deductible, water damage, and hail/wind/water for $320 per month
Auto insurance: All perils with a $500 deductible for two cars for $509 per month
Home and auto insurance bundle: $611 per month
$2,617/year
Yearly savings
26% off
Bundle discount
Sarah and John
Ages: 32 and 33
Location: Ottawa, ON
History: No claims in the past 5 years
Sarah and John always knew they wanted space, so they started their family outside of Ottawa. They have a lot of new property features planned for the next few years, so it’s important to save money with a car and home insurance bundle.
Home insurance: Comprehensive protection with a $1,000 deductible, water damage, and hail/wind/water for $360 per month
Auto insurance: All perils with a $500 deductible for two cars for $311 per month
Home and auto insurance bundle: $523 per month
$1,774/year
Yearly savings
26% off
Bundle discount
Sample quotes are provided for illustrative purposes only and are current as of September 2026. Your actual quote will vary based on your age,
address, insurance history, and other personal factors.
Even high-risk drivers and high-value homeowners can save money by bundling home and auto insurance. It just might take a little longer for you to compare options and discover the insurer with the best price.
What’s included in a bundled home and auto quote?
At minimum, a bundled home and auto insurance quote includes five types of standard home insurance and three types of mandatory car insurance:
Why get your bundled quote through PolicyMe?
PolicyMe makes it easy to compare your home and auto insurance options, customize your coverage, and get expert guidance all in one place.
What do I need to get a free home and auto insurance quote?
Comparing personalized home and auto insurance quotes ensures that you get the best price. There are so many individual factors involved in calculating insurance premiums that two people with the same home and car get different quotes even if they use the same company.
With PolicyMe, you only need 10 minutes and a few pieces of information to start comparing real quotes from multiple insurers for your home and auto insurance bundle.
Home insurance
- Property address
- Property type
- Year the home was built
- Roof age
- Square footage
- Building materials (e.g., brick, siding)
- Home systems (electrical, plumbing, heating)
- Past insurance claims
Car insurance
- Personal information for all drivers (name, address)
- Driver’s licence information
- Vehicle details (make, model, year)
- Driving history (accidents or tickets)
- Past insurance claims
FAQ: Car and home insurance quotes
At the moment, PolicyMe only offers bundle discounts on home and auto insurance. However, buying PolicyMe life, health, or critical illness insurance enables you to manage your coverage in one place and enjoy high-quality customer service for every product.
The downside of seeking a home and auto insurance bundle is it restricts you to providers who sell both insurance products. Cancelling one or both policies may carry a fee, so check your insurance contract for the full terms and conditions.
Generally, most Canadian insurance companies offer a bundling discount of 10% – 25% off home and auto insurance. PolicyMe’s maximum home and auto insurance bundling discount is 26%.
Higher deductibles can lower your insurance premiums, but increase the amount you have to pay out-of-pocket after an accident. The best insurance deductible is an amount you can comfortably subtract from your savings, and which produces a monthly rate you can afford.
Your home and auto insurance premiums depend on a variety of personal factors, including your age, address, insurance history, driving history, and more. Buying home and auto insurance from the same provider can help lower your annual premiums with a bundling discount.
Once you submit your home and auto insurance application to PolicyMe, you’ll receive personalized quotes from our partners. You can review your options online and customize your coverage before speaking with a licensed advisor to finalize your purchase.
If you cancel a bundled home or auto insurance policy, you probably won’t be eligible for the bundle discount anymore. Your insurer will recalculate the cost of your remaining coverage without the discount and charge the new amount going forward.
PolicyMe offers customers the choice of home insurance, auto insurance, or a home and auto insurance bundle. Bundling your insurance isn’t mandatory, but you can save up to 26% if you choose to buy your home and auto insurance from the same provider.
A single deductible for your car and home insurance can be handy if one event damages both your assets. For example, if a tree falls across your property or a fire destroys your home and garage, you only have to pay a single deductible before benefiting from the rest of your coverage.
Bundling your home and auto insurance together might not save you money if you have special needs or circumstances. For example, a high-risk driver may save more money by choosing a high-risk auto insurance company (that doesn’t sell home insurance) than by bundling home and auto insurance from a regular provider.
The easiest time to bundle home and auto insurance is the moment one or both of your policies are up for renewal, but you don’t have to wait to save. You can shop around, switch insurers, and bundle insurance at any time, but cancelling your policy before renewal may result in a cancellation fee.
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