Is Bundling Home and Auto Insurance Still Worth It in 2025?

For years, bundling your home and auto insurance was a no-brainer. One provider. One renewal date. One discounted rate. But as rates across the country continue to shift, many Canadians, especially here in Nova Scotia and PEI, are asking whether bundling still makes sense.

The short answer? It can. But not always. And that’s where working with a broker can make a real difference.

What does bundling actually mean?

Bundling means getting more than one type of insurance from the same provider. Most often, it refers to home and auto insurance, but you can also bundle in tenant, condo, or even commercial policies depending on your situation.

The main benefit is a multi-policy discount that can save you anywhere from 5% to 25%, depending on the insurer.

Why it worked well in the past

For a long time, bundling was a way to reward loyal customers and simplify things. It meant fewer bills, fewer renewal dates, and a quick way to reduce monthly premiums.

But insurance pricing has become more complex. Companies are adjusting risk models, tightening discounts, and in some cases, raising rates even on bundled clients.

So how do you know if it’s still the best move? Learn More or Contact Us today!

When bundling still makes sense

• You want fewer accounts to manage
• You qualify for a sizable discount
• You’re working with a broker who can explain your full coverage picture
• You’re confident both policies offer strong value on their own

If your auto and home policies are both competitively priced, bundling can still be the most cost-effective and convenient option.

When bundling might not be right for you

• One of your policies is unusually expensive or includes unnecessary coverage
• Another provider offers better value for just one type of insurance
• You’re not getting the same flexibility or service level on both sides

The key is not just looking at price, but at what you’re actually getting. A lower premium that comes with poor coverage or high deductibles could cost more in the long run.

What Cluett Insurance can do for you

We’re not tied to one insurer, which means we shop around on your behalf. Sometimes the best deal really is a bundle. Other times, it’s a split policy that gives you better value overall.

More importantly, we’ll explain why. Not just hand you a quote. If you’re not sure whether your current setup is working for you, we’ll take a look at it with no pressure and no obligation.

In 2025, it’s not just about bundling. It’s about balance. Let’s help you find it.