A Toronto family of four was paying premium rates across two separate insurers. By consolidating their auto and home policies through a broker, they achieved significant savings while improving their coverage.
Published January 15, 2026
When the Patel family first came to us, they were juggling separate auto and home insurance policies from two different direct insurers. Their auto premiums had increased 18% at renewal, and they felt stuck paying rates they could not negotiate.
Our licensed broker conducted a thorough review of their coverage needs, driving history, property details, and claims history. By shopping their policies across our panel of 12 Canadian insurers, we identified a bundled package that not only reduced their combined premiums by $2,400 per year but also increased their liability limits and added valuable endorsements including identity theft protection and water damage coverage.
The key was understanding that the Patels had a clean claims history and multiple vehicles, qualifying them for multi-vehicle and claims-free discounts that direct insurers had not automatically applied. Within two weeks, the transition was complete with no gap in coverage.
The family now has a single renewal date, one broker to call for all insurance needs, and the peace of mind that comes from knowing their coverage has been independently reviewed by a licensed professional.
“We had no idea we were overpaying so much. Our broker found us better coverage for less money. The whole process was seamless and we wish we had switched years ago.”
- Client of Maple Shield Insurance
$2,400
Annual Savings
2 weeks
Time Impact
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