A home and auto insurance bundle combines home insurance and car insurance policies with the same insurer, unlocking exclusive multi-policy discounts. Instead of managing separate policies with different companies, bundling simplifies your insurance while reducing your premiums. The more policies you bundle, the more you can save.
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What Extras Can I Add to My Home and Auto Insurance Bundle?
Protect essential home systems like your HVAC, heated floors, appliances, and pool filters. Equipment breakdown coverage ensures you're compensated for repairs or replacements when insured perils damage components that aren't strictly part of your building structure.
If your vehicle is in the shop after an accident, loss-of-use coverage ensures you get a rental car, whether the collision was your fault or not. This affordable endorsement keeps you mobile while your car is being repaired.
One at-fault accident can increase your car insurance premiums by hundreds of dollars. Accident forgiveness prevents your rates from rising after your first at-fault collision, giving you peace of mind and protecting your wallet.
With over 70% of home damages caused by water, protecting against flooding, sewer backups, and storm damage is essential. Water damage coverage is a smart addition to your bundled home and auto insurance policy in Ontario.
Over 35,000 Canadians fall victim to identity theft every year. For less than $5 per month, identity theft protection covers legal fees, lost wages, and replacement costs if your identity is stolen, protecting you and everyone in your household.
If an uninsured or underinsured driver causes an accident, you could be left without compensation for vehicle repairs or medical expenses. Uninsured motorist coverage ensures you're protected, even when the at-fault driver isn't.
Will my premium increase if I add additional coverage to my bundled policy?
Yes, adding extra coverage options will increase your premium. However, your overall cost may still be lower than purchasing separate home and auto insurance policies. A Morison Insurance broker will compare quotes to find you the best coverage at the right price.
What types of insurance can I bundle with home and auto coverage?
You can bundle many types of insurance beyond home and auto, including condo insurance, tenant insurance, landlord insurance, cottage insurance, recreational vehicle insurance (ATV, RV, snowmobile, boat), motorcycle insurance, and classic car insurance. The more you bundle, the more you save.
Who needs bundled home and auto insurance?
Broker compares bundled vs. separate quotes; best during renewal period
How do I know if bundling home and auto insurance is right for me?
A Morison Insurance broker will compare bundled quotes versus separate policies to determine which option offers better savings and coverage. The best time to compare is during your renewal period.
Do I need to have both home and auto insurance with the same company to get a bundle?
Yes, your home and auto insurance policies must be with the same insurer to receive bundled discounts. Morison Insurance compares quotes from dozens of Canadian insurers to find the best bundled policy for your needs.
Can I switch my current policies to bundle with one insurer?
Absolutely. Morison Insurance makes it easy to switch your existing policies to a bundled package. If you're mid-term, a cancellation fee may apply, but your broker will calculate whether switching now or at renewal saves you more money.
How much can I save with bundled home and car insurance?
Savings vary based on your policy limits, coverage types, and claims history, but bundled home and auto insurance can save you up to 25%. Contact Morison Insurance for a free, personalized quote to see how much you could save.
When should I compare bundled home and auto insurance quotes?
You can compare quotes anytime, but the best time is during your renewal period. Morison Insurance makes it easy to review your coverage options and find better savings each year.
What if I already have good coverage with two different companies?
If you're happy with your current coverage and pricing, bundling may not be necessary. However, a Morison Insurance broker can compare your existing policies against bundled quotes to ensure you're getting the best value and coverage for your home and vehicle.
