If you’re managing separate car insurance and home insurance policies, you’re likely spending more time and money than you need to. In Ontario, bundling your auto insurance and home insurance under one provider isn’t just a cost-saving tactic, it can simplify your life, strengthen your coverage, and make your insurance experience far more efficient.
Let’s look at why an auto and home insurance bundle in Ontario is one of the smartest moves you can make.
Save More With Insurance Bundles
It’s no secret that bundling insurance policies can lead to lower premiums. In Ontario, many providers offer substantial discounts when you combine your car insurance and home insurance with the same company. These savings often range from 10 to 20 percent, depending on your insurer and the type of coverage you need.
For most Ontario families, that can translate into hundreds of dollar, if not thousands, saved each year. But more importantly, bundling gives you better value for the insurance you already need. You’re not cutting corners or sacrificing coverage to save money. You’re getting the same or even better protection for less.
Less Paperwork and Fewer Surprises
When your auto insurance and home insurance come from different providers, it means juggling separate renewal dates, payment schedules, and policy documents. If you need to update your contact details or file a claim, you’re dealing with two different companies, two customer service teams, and twice the admin.
Bundling removes that friction. You deal with one provider, one renewal date, and one point of contact. Everything is in one place, and that alone can save you time and energy. If something unexpected happens, like a major weather event that affects both your car and your home, having your policies bundled could make the claims process faster and easier.
Many insurance companies in Ontario also offer enhanced service for bundled customers. That can include dedicated claims representatives, faster response times, and even waived deductibles when a single incident affects both policies.
Policies That Work Together
One of the lesser known advantages of bundling is how it aligns your policies to work together. When insurance is bundled, coverage options are often designed to complement each other. For example, some providers may apply one deductible if a single event damages both your vehicle and your property.
You might also get access to policy enhancements that are harder to unlock with individual plans. These can include accident forgiveness on your car insurance in Ontario, home insurance add-ons for personal cyber protection, or higher coverage limits for valuables and electronics.
Bundled policies are also more likely to be reviewed together. That means if your life changes, like a home renovation, a new vehicle, or a growing family—your broker or insurer can make sure all your coverage stays up to date and consistent across both policies.
Ontario Insurance Standards to Know
In Ontario, the auto insurance market is regulated by the Financial Services Regulatory Authority of Ontario. This means all insurers must offer a minimum level of coverage, but they are free to compete through pricing, customer service, and optional coverages. That’s where bundling really shines. While base coverage is regulated, the discounts and extras available through bundling are not.
When it comes to home insurance in Ontario, policies are not government regulated in the same way, but providers must still meet consumer protection standards. Many insurers also offer flood and sewer backup coverage as optional add-ons. These are particularly important in parts of Ontario that are prone to heavy rains or aging infrastructure.
By bundling, you create an opportunity to catch coverage gaps you might not notice when shopping separately. And you can often negotiate better terms, like flexible deductibles or added endorsements, when you bring more value to the table with combined policies.
Who Should Consider Bundling?
Bundling works best for those who want convenience, prefer predictable costs, and value reliable service over chasing the lowest premium. If you have a home and a car and you live in Ontario, you likely qualify for bundling discounts from several top insurers.
This approach is especially helpful for people who:
- Don’t want to spend hours comparing policies every year
- Prefer to get advice from a trusted broker rather than relying on online forms
- Value having a single contact for all things insurance
- Want to make sure their protection is coordinated and up to date
If you’ve recently bought a new car, moved into a new home, or had a major life event, it’s the perfect time to explore a bundled solution.
How Levitt Can Help
At Levitt Insurance Brokers, we help Ontario residents compare insurance bundles across many Canadian insurance providers. We understand the ins and outs of auto insurance in Ontario and home insurance in Ontario, and we take the time to explain your options clearly.
Instead of filling out multiple forms on different websites or navigating confusing policy documents, you get one expert team to guide you. We’ll help you bundle the right way, with policies that actually fit your lifestyle and needs.
We also monitor the market, so when your renewal comes up, we can recheck your options to make sure you’re still getting the best deal.
If managing two insurance policies feels like more work than it’s worth, it probably is. The good news? You don’t have to figure it out alone.
Get a free quote today or book a meeting with our team and see how much time, money, and stress you could save with an auto and home insurance bundle in Ontario. At Levitt, we make it easy to protect what matters most, with the confidence and clarity you deserve.
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