Bundle & Save

How Bundling Works

Insurance carriers reward customers who hold multiple policies by offering multi-line discounts. The most common bundle is auto plus home insurance, but you can also combine auto with condo, landlord, motorcycle, or even add life insurance to the mix. Discounts typically range from 5% to 15% on each policy, and some carriers offer additional perks like reduced deductibles for bundled customers.

The key insight is that the best bundle varies by carrier. One insurer might offer the best auto rate but mediocre home pricing, while another bundles both competitively. As an independent broker, I am not locked into one carrier. I compare bundle pricing across 40+ companies to find the combination that saves you the most overall.

Common Bundles for Toronto Clients

Auto + Home is the most popular bundle and typically provides the largest discount. If you own a home and a vehicle in Toronto, this is the first combination to explore.

Auto + Condo works the same way for condo owners. Your condo unit owner policy and auto policy with the same carrier unlock the multi-line discount.

Auto + Landlord is ideal for property investors who also drive. Some carriers extend multi-line discounts to landlord policies just as they would for standard home policies.

Auto + Home + Life adds another dimension. Certain carriers offer an additional discount when you hold a life insurance policy alongside your property and auto coverage.

Business + Commercial Auto bundles are available for business owners who insure both their commercial operations and fleet vehicles with the same carrier.

Why Not Just Go Direct?

Direct insurers offer one company's pricing. A broker offers every company's pricing. Even with a multi-line discount from a direct insurer, the total cost may be higher than a different carrier's unbundled rates — or a different carrier's bundle. The only way to know for certain is to compare, and that is exactly what I do.