Busting the Bundle Myth: The Real Story Behind Combining Home and Auto Insurance

Ah, the allure of a bundle. We see it everywhere: bundle your phone and internet services, bundle your groceries, and in the insurance world, bundle your home and auto insurance. On the surface, it seems like a win-win: more coverage for less money. But dig a little deeper, and you

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Ah, the allure of a bundle. We see it everywhere: bundle your phone and internet services, bundle your groceries, and in the insurance world, bundle your home and auto insurance. On the surface, it seems like a win-win: more coverage for less money. But dig a little deeper, and you might find that this bundled “discount” isn’t what it appears to be. Especially in Canada, where the insurance landscape varies from province to province.

At Insurely, we specialize in habitational insurance. And we’ve seen first-hand the misconceptions and potential pitfalls surrounding the bundle offer. So, let’s clear the air, shall we?

The Bundle Discount: A Discount or a Hidden Penalty?

Let’s start with the basics. Most insurance companies will offer a discount if you decide to combine your home and auto insurance. That sounds great, right? But there’s a caveat. What happens if you decide to separate them later on?

Fact: In many cases, once you split the bundle, you’re faced with penalties and potentially higher rates than if you had never bundled in the first place. It’s the classic bait-and-switch, where the initial savings are overshadowed by long-term costs.

The Power of Choice: Embrace Flexibility

Your insurance needs aren’t static; they evolve with your life circumstances. Maybe you move to a new province. Maybe you decide to sell your car or buy a new property. By keeping your insurances separate, you maintain the freedom to adapt without being penalized.

Let’s talk competition: When you commit to a bundle, you’re essentially putting all your eggs in one basket. But what if one insurer offers a great home policy while another has an unbeatable auto policy? Staying flexible allows your broker to cherry-pick the best deals for you, ensuring optimal coverage at the most competitive price. In other words, two separate, tailor-made policies can sometimes be more beneficial – both in terms of coverage and cost – than a one-size-fits-all bundle.

The Broker Advantage: Your Ally in the Insurance World

A good broker isn’t just there to sell you a policy. They’re there to guide, advise, and advocate on your behalf. At Insurely, we continuously scan the market, making sure our clients get the best deals year after year. Remember, in some provinces, bundling is a significant concern, and we’re well aware of the challenges it poses.

A good broker isn’t just there to sell you a policy. They’re there to guide, advise, and advocate on your behalf. At Insurely, we continuously scan the market, making sure our clients get the best deals year after year. Remember, in some provinces, bundling is a significant concern, and we’re well aware of the challenges it poses.

A committed broker will always aim to find the most competitive premium annually, even if it means pairing you with two separate insurers. Why? Because your best interest is our priority.

In Conclusion: Challenge the Norm, Seek the Best

Bundling might be the industry norm, but norms are made to be questioned. It’s always worth considering what you truly gain – or lose – in the long run. As Canadians, we deserve transparency, flexibility, and the power of choice in our insurance decisions.

So, the next time someone tries to sell you the ‘bundle dream’, think twice. Better yet, give us a call at Insurely or see for. yourself here https://secure.insurely.ca/. Let’s find the perfect coverage for you, even if it means going against the grain.


At Insurely, we believe in crafting policies that truly fit our clients’ lives. From comprehensive habitational insurance to expert advice, we’re here to make your insurance journey seamless and hassle-free.

At Insurely, we believe in crafting policies that truly fit our clients’ lives. From comprehensive habitational insurance to expert advice, we’re here to make your insurance journey seamless and hassle-free.