Insurance bundling Canada homeowners and drivers rely on is one of the easiest ways to save money without sacrificing coverage. At AIM Insurance, we help clients across Ontario, Alberta, and the Maritimes create bundles that protect their homes, vehicles, and more—while keeping more money in their pockets.
At AIM Insurance, we help clients across Ontario, Alberta, and the Maritimes maximize their savings and peace of mind by building tailored insurance bundles. Let’s break down how bundling works, why it’s such a powerful savings tool, and what you should know to get the best value from your coverage.
How to Bundle Insurance Policies in Ontario, Alberta, and Beyond?
Insurance bundling simply means purchasing two or more insurance policies from the same provider—usually home and auto, but often more. Instead of having your car insured with one company, your home with another, and maybe your motorcycle or boat somewhere else, you bring everything under one roof.
Why does this matter? Because insurers reward loyalty and simplicity. When you bundle, you’re a more valuable customer, so you get access to better discounts and perks.
The Top 3 Reasons to Bundle Your Insurance
1. Bigger Discounts—Up to 25% or More
This is the headline benefit, and for good reason. Most insurers offer significant multi-policy discounts when you bundle. At AIM Insurance, our clients regularly save anywhere from 10% to 25%—sometimes even more—just by combining their home, auto, and motorcycle coverage.
How does it work?
Multi-policy discounts: These are automatic savings applied when you hold more than one policy with the same provider.
Bundling specialty products: Own a boat, RV, or classic car? Adding these to your bundle can unlock even deeper discounts.
Preferred rates: Insurers often offer lower rates to bundled clients because they’re seen as lower risk and more loyal.
Example:
Let’s say you pay $1,200/year for auto insurance and $1,000/year for home insurance. Bundling could save you 20%—that’s $440 back in your pocket every year. Over five years, that’s $2,200—enough for a family vacation, a home upgrade, or just more breathing room in your budget.
2. Simplified Management—Less Hassle, More Control
Juggling multiple insurance providers means more paperwork, more renewal dates, and more phone calls when you need help. Bundling solves that by giving you:
One renewal date: No more calendar chaos—just one date to remember.
One point of contact: Questions? Claims? Policy changes? You get a dedicated broker who knows your full insurance picture.
Streamlined paperwork: Cut down on clutter and confusion by keeping all your policies and documents in one place.
At AIM Insurance, we pride ourselves on our fast, personal service—our average response time is just one minute. Bundling makes it even easier for us to take care of you quickly and efficiently.
3. Better Coverage—Fewer Gaps, More Peace of Mind
When your insurance is spread across different companies, it’s easy for coverage gaps to sneak in. Maybe your home policy doesn’t match your auto limits, or your motorcycle isn’t covered for all the risks you face. Bundling lets us:
Spot gaps: We review your full insurance picture and make sure you’re covered for what matters most.
Customize protection: We tailor your bundle to your lifestyle, assets, and risk tolerance.
Coordinate claims: If you ever need to make a claim involving more than one policy (say, a garage fire that damages your car and your home), everything is handled smoothly and efficiently.
What Can You Bundle? (Hint: It’s More Than Just Home & Auto)
Most people know about home and auto bundling, but there’s a lot more you can include. At AIM Insurance, we offer bundles for:
Homeowners, condo, and tenant insurance
Auto insurance (personal, classic, or collector vehicles)
Motorcycle insurance (including coverage for custom, vintage, or sport bikes)
Boat and watercraft insurance
Recreational vehicles (RVs, ATVs, snowmobiles)
Personal cyber insurance (protects you and your family from online threats)
Specialty products (classic cars, vacation homes, and more)
Pro tip: The more you bundle, the more you save—and the easier your insurance life becomes.
How to Build the Perfect Bundle: 5 Practical Tips
Ready to maximize your savings and simplify your insurance? Here’s how to get started:
1. Review All Your Current Policies
Gather up your existing insurance documents—home, auto, motorcycle, boat, RV, and anything else you have. If you’re not sure what you have, don’t worry—your broker can help you track everything down.
Why it matters:
Having a complete picture lets us spot overlaps, gaps, and opportunities for savings.
2. Bring Everything Under the AIM Umbrella
The greatest savings come when you consolidate as much as possible with one provider. At AIM Insurance, we can bundle almost any combination of policies, including specialty products that other brokers might overlook.
Bonus:
If you’re a member of the Canadian Motorcycle Association or have completed a safety course, let us know—these can unlock extra discounts when bundled with your main policies!
3. Ask About Specialty Products and Unique Needs
Do you own a classic car, boat, or rental property? Are you a business owner needing commercial coverage alongside your personal insurance? We can build bundles that cover all your assets—personal and commercial—under one roof.
Don’t forget:
Personal cyber insurance is becoming a must-have. Ask how it can be added to your bundle for extra peace of mind.
4. Keep Your Bundle Updated as Life Changes
Life moves fast. Maybe you’ve bought a new car, renovated your home, or started a business. Keeping your broker in the loop means your bundle stays optimized—and your savings keep adding up.
When to update:
Buying or selling a vehicle or property
Renovating your home
Starting a home-based business
Getting married, divorced, or having kids
Major life milestones (retirement, empty nest, etc.)
5. Leverage Broker Expertise to Find Hidden Discounts
Our brokers are pros at finding savings you might miss on your own. We know the ins and outs of every carrier, the latest discounts, and how to structure your policies to maximize value.
What sets AIM Insurance apart?
We’re 100% Canadian owned and operated, with all staff based in Canada.
No call centers—just real people who know your name and your needs.
Fast, expert advice—our average response time is one minute or less.
Personalized service—no cookie-cutter solutions.
Common Questions About Bundling Insurance
Q: Will bundling affect my coverage?
Bundling is designed to make your coverage better, not worse. In fact, it often helps us spot and fix coverage gaps that might otherwise go unnoticed. We’ll always review your needs and make sure your protection matches your lifestyle.
Q: Can I bundle after I’ve already bought my policies?
Absolutely! Whether you’re an existing AIM Insurance client or new to us, we can review your current coverage and recommend the best way to bundle for maximum savings.
Q: What if I have unique or hard-to-insure assets?
No problem. From vintage motorcycles to waterfront cottages, we specialize in custom solutions. Our access to a wide range of insurers and specialty products means we can build a bundle that fits even the most unique situations.
Q: Will I lose my discounts if I make changes to my policies?
Not necessarily. Often, updating your bundle (adding a new car, renovating your home, etc.) can actually increase your savings. The key is to keep your broker informed so we can adjust your bundle as needed.
Real-Life Example: How Bundling Helped a Family Save
Let’s look at a real-world scenario (names changed for privacy):
The Martins live in Burlington, Ontario. They had their home insurance with one company, auto with another, and motorcycle insurance with a third. They were paying:
Home: $1,100/year
Auto: $1,300/year
Motorcycle: $650/year
After switching to AIM Insurance and bundling all three policies, they saved 22% overall—more than $700 per year. Plus, they now have one renewal date, a single point of contact, and confidence that their coverage is seamlessly coordinated.
Why Choose AIM Insurance for Your Bundling Needs?
Not all brokers are created equal. Here’s what makes AIM Insurance the go-to choice for bundling:
Local expertise: We know the Ontario, Alberta, and Maritime markets inside and out.
Family-owned, Canadian values: No overseas call centers, no private equity—just real people who care about your peace of mind.
Personalized service: Every client gets one-on-one attention. We manage our own books of business—no passing you off to strangers.
Fast response: Average response time is just one minute, whether you call, email, or message us.
Specialty solutions: From motorcycles to high net worth homes, we build bundles that fit your unique lifestyle.
High retention: Our clients stick with us—89% renewal rate and counting.
Ready to Bundle and Save? Here’s How to Get Started
Contact us for a free review: We’ll assess your current policies and show you exactly how much you could save.
Get a custom quote: Our brokers will build a tailored bundle that fits your needs and budget.
Enjoy seamless service: Sit back and relax—your coverage is optimized, your savings are maximized, and your insurance life just got a whole lot easier.
Final Thoughts: Bundling Is the Smartest Way to Save
Insurance isn’t just about protecting your stuff—it’s about protecting your future. Bundling your policies is the easiest, most effective way to save money, simplify your life, and make sure you’re covered for whatever comes next.
At AIM Insurance, we believe in making insurance simple, personal, and affordable. If you’re ready to see how much you could save by bundling your policies, we’re here to help.
Call us at 877-AIM-4TMW or visit theaim.ca to get your custom quote today.
Want more tips on protecting your home, vehicles, and family? Follow our blog for expert advice, practical tips, and the latest insurance trends—always delivered with a personal touch.
This blog post was brought to you by AIM Insurance—your trusted partner for home, auto, motorcycle, and specialty insurance across Ontario, Alberta, and the Maritimes. For fast, friendly service and tailored insurance solutions, call 877-AIM-4TMW today!
