Save up to 26% when you bundle home and auto insurance with PolicyMe
Get personalized home and car insurance quotes from Canadian insurers and see how much you could save by bundling.
The benefits of bundling home and auto insurance
Bundling means purchasing multiple insurance policies from the same company. Most Canadian insurance companies offer a discount when you bundle with them—typically 10% to 20% on each policy, though the exact discount varies depending on your profile and insurer.
Lower premiums
Most insurers offer a discount of up to 20% on each policy when you bundle home and auto.
Simplified policy management
Manage everything in one place with a single provider, so it's easier to update your coverage and keep track of your policies.
Easier claims
Working with one insurance company for claims means a faster, more seamless process and fewer headaches.
"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
Getting car insurance quotes online through PolicyMe is straightforward and quick. Most drivers see their quotes in about 10 minutes.
- Tell us about your home and car: We’ll use your details to pre-fill most of the details about your home and vehicle. Share a few details about your home, vehicle, and drivers. We’ll use that information to show you three coverage levels from our insurance partners.
- Customize your coverage: Adjust coverage types, limits, and deductibles for your home and auto policies. Your price updates instantly as you make changes.
- Compare your bundled quotes: We’ll show you our recommended bundle and why we think it’s your best fit, but you can review all available quotes before deciding.
How much can you save by bundling home and auto insurance?
Bundling your home and auto insurance with the same provider is one of the easiest ways to reduce your insurance premiums. Most Canadian insurers offer bundling discounts of 10% to 25%, which can translate into hundreds of dollars in savings each year.
A high-risk driving profile or expensive home doesn't mean you can’t save by bundling. Most individuals in these situations can still reduce their costs with a home and auto bundle, but it means that comparing your options carefully is especially important.
Sample bundle quotes for Ontario homeowners
Couple in their 30s, Ottawa
Home: Detached house, rebuild value $680,000, built 2005
Vehicle: 2020 Toyota RAV4, full coverage, clean driving record
Home insurance: $2,396/year
Auto insurance: $1,992/year
Cost if purchased separately: $4,388/year
Bundle price: $3,694/year
$4,094/year
Bundle price
$694
Estimated savings
Single homeowner, GTA
Home: Detached house
Rebuild value: $900,000
Built: 2010
Vehicle: 2022
Model: Toyota Corolla, full coverage
Driving record: Clean
Home insurance: $2,912/year
Auto insurance: $2,448/year
Cost if purchased separately: $5,360/year
$5,185/year
Bundle price
$875
Estimated savings
Couple in their 40s, older home
Home: Detached house
Rebuild value: $700,000
Built: 1945
Vehicle: 2021
Model: 2020 Toyota RAV4, full coverage
Driving record: Clean
Home insurance: $2,784/year
Auto insurance: $2,364/year
Cost if purchased separately: $5,148/year
$4,387/year
Bundle price
$761
Estimated savings
These examples are illustrative. Your actual quotes will vary based on individual factors, including your home and vehicle information, driving history, claims history, and postal code. Last updated August 2026.
What a bundled home and auto insurance quote includes
A bundled quote includes coverage for both your vehicle and your home. Each policy includes required protections along with optional coverage that you can customize.
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 you need to get home and auto insurance quotes
To generate accurate home and auto insurance quotes, insurers need a few details about your home, vehicle, and drivers. Having the following information ready can help speed up the process.
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
Higher deductibles can lower your insurance premiums; lower deductibles can raise them. A $500 deductible could make filing an insurance claim more affordable, since you’ll only be responsible for $500 of the covered damage, but you’ll pay a higher rate for coverage. In general, deductibles between $250 and $1,000 are common for auto insurance, while a $1,000 deductible or higher is more common for home insurance policies.
Most Canadian insurers offer bundle discounts between 10% and 20% on each policy, though exact savings vary by insurer and customer profile.
Your home and auto insurance rates depend on factors including where you live, your claims history and driving profile, your vehicle and home details, and the coverage you choose. Bundling your policies can help lower your overall premium.
Once you submit your application, you'll receive personalized quotes from our insurance partners. You can review your options online, customize your coverage, and speak with a licensed advisor who will answer your questions and help finalize your policy before it's issued.
If you’re comparing quotes through PolicyMe’s online platform, you can choose whether you want only home insurance, only car insurance, or a bundle that includes both. Generally speaking, you’ll save money on your premiums if you bundle home and auto.
The easiest time to bundle is when one of your policies is up for renewal, but you don't have to wait. You can shop around, switch insurers, and bundle at any time, but keep in mind that cancelling a policy before renewal may result in cancellation fees from your current insurer.
PolicyMe only offers bundled home and auto insurance quotes, but some insurers offer bundles if you buy home and life insurance, car and renters/tenant insurance, or other combinations of different types of coverage. You can also purchase life, health, and critical illness insurance directly from PolicyMe while shopping for home and auto insurance.
Have a question we didn’t answer?
Call +1 (866) 999-7457 from 9AM-5PM EST Monday to Friday or email us. Our insurance expert team is happy to help!
