Multi-product Insurers and discounts

[Mike]

Does anyone know of a company or companies in Canada, or specifically Ontario,
that do the whole 9 yards? Home, auto, and RV? With some sort of discounts added?
We're thinking about downsizing from 2 passenger cars and an RV, to 1 car and the RV.
The problem is, our cars and home are together for the multi-product discount, but they
aren't willing to treat the RV as a 3rd car, so there's no advantage to adding it in place
of whichever car we'll sell.
I've sent a mail to Kanetix.ca and asked them.

Thanks,
Mike.

[markopolo]

I use Economical for the house, car and van and Elite (part of Aviva) for the RV here in New Brunswick. Elite's rates for the RV seemed like a good deal to me and the coverage is RV specific.

I think I could have everything on one policy but separating the RV was the best deal according to my agent.

If you carry a high limit of liability insurance such as $5 million then consider getting an excess liability policy. It's called a Personal Umbrella Liability policy. You carry $1 mil on all of your other policies and $2,$3,$4 or $5 million on the Umbrella Policy. If you blow through one of the underlying $1mil policies then the Umbrella Policy kicks in. Usually you save money or, at the very least, end up with $5mil coverage for the same cost as $1 or $2mil.

[Mike]

We're with RSA for home and cars, and also at Elite/Aviva for the RV through
an Ontario based broker. It is a pretty good rate, but I ran a quote through
Kanetix online and got a quote that's about $100 cheaper than my current.
I'm betting it's with Youngs, who were cheaper when I first started looking
2 years ago, but they had too many annoying extra requirements so we went
with an online quote and policy. It was easier to arrange.
I was thinking it would be nice to have it all on one sheet for simplicity and as
a defense against Alzheimer's .
I sent another question to Insurance Hotline.
I'll see what the "experts" have to say, when they get back to me.
And they will.

[Mike]

I got a reply from IH and they pointed me to a brokerage called Navigator Insurance.
They in turn, had a link to Vic Enns insurance and I'm going to give him a call next week.
I'm still waiting for an answer from Youngs Insurance, who I believe do RVs and the rest
of it too.
Kanetix said they were pretty much a quotation and pass-thru website. They suggested
I continue with my RV quote, take the referrals to the RV insurers, and then ask them if
any of them do home/auto. I'll try that as a last resort.