How Bundling Home and Auto Insurance Can Save You Hundreds

Bundling simply means purchasing two or more insurance policies from the same carrier. The most common bundle is home and auto — but you can also bundle renters and auto, or add an umbrella policy to the mix. Carriers reward multi-policy customers with significant discounts because they're more likely to stay long-term.

Most carriers offer multi-policy discounts of 10–25% on one or both policies when you bundle. On a $2,000 homeowners policy and a $3,000 auto policy, that's a potential savings of $500–$1,250 per year. The exact discount varies by carrier, your location, and your specific policies.

Bundling isn't just about saving money. There are other real advantages: • One agent for all your coverage — simpler, easier communication • One renewal date to track (some carriers align renewal dates) • Easier claims process when both policies are with the same company • Potential for a single deductible if a single event affects both home and auto • Stronger relationship with your carrier, which can help at renewal

Bundling isn't always the right move. Sometimes, the best home insurance carrier isn't the best auto carrier — and the combined savings from bundling may not beat the savings from choosing the best carrier for each policy separately. This is exactly why working with an independent agent matters. We compare both bundled and separate rates to find you the best total outcome.

As an independent insurance agency, we have access to multiple top-rated carriers — Progressive, Travelers, National General, Bristol West, Preferred Mutual, Foremost, and more. We compare both bundled and unbundled rates across all of them to find the best combination for your specific situation. Most clients receive their comparison the same day they reach out.