Home & Auto insurance considerations once you get married


You tied the knot, now what?
After the wedding and honeymoon, you may be feeling a strain on your finances. There are many financial benefits that come with being newlyweds, including potential cost savings to your home and auto insurance plans. So as you begin this new chapter of your life together, it's a good idea to revisit your insurance needs and options.

Combining Insurance
A couple who decide to insure their cars together with the same insurance company may qualify for a multi-car discount that can result in considerable savings. When you get married, you have the option to switch one person’s car to the other’s policy, or to shop around for the best rate on both vehicles at the same time. It’s best to do this at the time that each policy renews to avoid cancellation fees. When it’s time to renew, get a quote and take the time to compare both options so you get the coverage you need at a price you can afford.

Carpooling & Commuting
If you're now able to carpool together, you may be able to reduce rates on one of your cars if it's no longer being used for commuting. On top of that, if you're moving into a new place together, a new address or postal code can affect your car insurance rates, especially if it greatly reduces commuting time. So depending on where you move, there may be additional savings.

One Home, One Rate
If you’re moving in together for the first time after marriage there’s more good news for your wallet. Having one home means having only one home insurance policy instead of two. You can also combine all of your personal property coverage under one policy, including any coverage for valuables such as jewelry, antiques and art.

Having both your homeowner's insurance and auto insurance policies with one company could also give you both a discount. Take the time to speak with a PC® insurance broker to help ensure that you purchase auto and home insurance policies that meet your needs.

With the extra money, you can save for the things that matter most to you—your next vacation, paying off mortgages and other loans or starting an education fund for your future family.

Start your new life together off right by planning for the future and having the peace of mind that you have the coverage you need at a price you can afford.

How to make a claim

Call 1-877-251-8656 to speak with a Claims Advisor.

Renewing your policy

Call 1-877-251-8652 for information regarding policy renewal.

Buying a new policy

Call 1-866-660-9035 for information on obtaining a quote.

Need help?

Take a look at the top 5 FAQs:

  • Why should I have home insurance?

    Why should I have home insurance?

    While the government doesn't require you to purchase home insurance, your mortgage-holder probably will - at least enough to cover its share of ownership. There are various kinds of home insurance that cover general and specific kinds of damage to your home, and you should research your options carefully. You can also buy specialized insurance to cover a condominium, home business, or other kind of property or valuables found in your home.

    Home insurance also includes liability coverage for people who are hurt on your property.

  • Why should I buy tenant's insurance when I live in an apartment and don't have many contents or valuables?

    Why should I buy tenant's insurance when I live in an apartment and don't have many contents or valuables?

    Most people would be surprised at the value of their personal property if they were to add it up and have to replace it all immediately. Think about your furniture, clothing, electronic equipment-then try to put a price tag to it all. Also, if you've purchased items on credit and they are stolen or destroyed by fire, you could still have to make the payments.

    Tenants insurance also includes liability insurance for damage the tenants or their guests cause to the building, for injuries in the rented home, etc.

  • How can I earn PC Optimum points?

    How can I earn PC Optimum points?

    When you use your President's Choice Financial® MasterCard® to pay your PC home insurance premium, you'll get 20 PC Optimum points per dollar of your premium. If you use your President's Choice Financial bank card to pay your PC home insurance premium, you'll get 10 PC Optimum points per dollar of your premium.

  • What is a deductible?

    What is a deductible?

    A deductible is your share of the amount that needs to be paid to cover the repair or replacement of your covered property before your insurance pays the rest.

  • How are premiums calculated?

    How are premiums calculated?

    The building itself has a lot to do with how your home insurance premiums are set. Many things about your home are taken into consideration including:

    • Its age and size
    • Type of building (detached, semi, high rise, etc)
    • Type of construction (brick, stucco, wood, etc)
    • Type of heating system
    • How close it is to a fire hydrant or fire station
    • Where it is located

See all Home Insurance FAQs


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