Skip to main content
Get a Free Quote

Compare your home and auto insurance together.

Tell us about your home, vehicles and drivers. We’ll help you compare options from Canadian insurers in one conversation.

Get a Home + Auto QuoteBook a Call

Want to talk now?905-573-7471

  • Proudly Canadian

  • Quotes Made
    Simple

  • Compare Canadian Insurers

  • Real Broker Advice

  • Claims Support

ONE CONVERSATION

A simpler way to review both policies.

One Broker

Review your home and auto coverage with the same HIFA broker.

One Set of Details

Share the information needed for both policies in one process.

Compare Bundle Options

Some insurers may offer advantages when eligible policies are placed together.

Coordinated Coverage Review

Changes to your household can affect both home and auto insurance.

BEFORE YOU QUOTE

What we’ll ask you.

01

What home or property do you need insured?

02

What vehicles do you drive?

03

Who lives in the household?

04

Who drives the vehicles?

05

How are the home and vehicles used?

06

What insurance is currently in place?

WHAT CAN AFFECT THE PRICE

What insurers look at.

HOME

Location

Rebuild value

Property age

Roof and systems

Claims history

Deductible

Coverage options

AUTO

Drivers

Driving history

Vehicle

Address

Annual kilometres

Use

Coverage limits

Deductible

Bundle eligibility and pricing vary by insurer.

WHEN THINGS CHANGE

Times to review both policies.

Moving

A new address is rated from scratch on both policies.

Buying a new vehicle

The vehicle itself is one of the largest auto inputs.

Adding a driver

A new licence in the household changes the rating.

Renovating

New kitchens, bathrooms and additions change the rebuild value.

Getting married

Two households becoming one is worth reviewing together.

Adding another property

A second property may or may not sit on the same policy.

Working from home

Business equipment and visitors may need separate coverage.

Changing vehicle use

Commuting, business use and mileage all feed the price.

Household changes

Who lives there and who drives can both affect the rating.

WHY HIFA

One broker can look at the whole picture.

WE REVIEW BOTH POLICIES

Home and auto get looked at together, not one at a time.

WE COMPARE AVAILABLE OPTIONS

A broker can compare what is available for your household.

WE HELP WHEN YOUR HOUSEHOLD CHANGES

New address, new car, new driver — you can call a broker.

RELATED INSURANCE

Other coverage you may want to review.

Home

Home Insurance →

Auto

Auto Insurance →

Condo

Condo Insurance →

Tenant

Tenant Insurance →

Common questions

Home and auto questions.

Do I have to insure my home and auto with the same company?
No. You can keep them with different insurers if that works out better. Placing them together is one option a broker can price alongside keeping them separate.
Is bundling always cheaper?
No, and any broker who says otherwise is selling. An insurer with strong auto pricing may have narrower home wording, weaker water coverages or a less useful claims experience. We compare the combined position on coverage as well as price, and we will tell you when splitting the policies is genuinely better.
Can I bundle condo and auto insurance?
Yes, and it is usually worth doing. Reviewing both allows multi-line discounts to be considered and lets the broker spot exposures that sit across the boundary — a vehicle kept in the building's underground parking, for example.
Can tenants bundle tenant and auto insurance?
Yes, and it is usually worth doing. Reviewing both allows multi-line discounts to be considered and lets the broker confirm there are no gaps between the two — belongings kept in the vehicle, for example, are treated differently by each policy.
What information do I need for a combined quote?
You do not need every document before contacting HIFA. Having both current policies to hand is the single most useful thing, because it lets the broker compare rather than guess. Property address and details; All vehicles in the household; All licensed drivers at the address; Requested effective dates; Any prior claims.
Can I switch one policy before the other renews?
Yes. Policies can usually be moved mid-term, or one can be arranged to align with the other's renewal. There may be short-rate considerations on cancelling mid-term, which your broker will explain before anything is changed so you can decide with the full picture.

READY TO COMPARE?

Let’s compare your home and auto options together.

Tell us about your property, vehicles and drivers. A HIFA broker can help you review both.

Get a Home + Auto Quote

Book a Call

Want to talk now?

905-573-7471

Get a Free Quote