If you’re juggling separate bills for your car insurance and homeowners insurance, you might be leaving money on the table. Insurance companies have long offered discounts when you bundle both policies together, and for many families, that means hundreds of dollars in savings each year. But not all bundles are created equal. Understanding how home and auto bundles work can help ensure you score the best deal.
What Is a Home and Auto Bundle?
A home and auto insurance bundle means purchasing both your homeowners and auto policies from the same insurance provider. Instead of having two separate accounts and payments, you combine them under one company. The benefit? Insurers usually reward customers who bring more than one policy by offering a multi-policy discount—often called a “bundle discount.”
Why Bundle Home and Auto?
The main reason most people bundle is simple: savings. According to industry data, policyholders can save anywhere from 10% to 25% by combining their policies. Beyond cost, there’s also convenience. Bundling means one monthly bill, one account to manage, and in many cases, better customer service coordination if you ever need to file a claim for both your home and car at the same time (for example, storm damage to your roof and your vehicle).
Getting Home and Auto Bundle Quotes
Shopping for bundle quotes is similar to shopping for standalone policies, but you’ll want to compare carefully.
How To Compare
- Start with your current provider. Ask them how much you could save by bundling instead of keeping policies separate.
- Use online quote tools. Many insurers allow you to run side-by-side estimates of your bundle discount.
- Compare multiple companies. Don’t assume your current insurer offers the best deal. Sometimes switching both policies to a new provider results in bigger savings.
- Review coverage, not just price. A cheaper quote may cut important protections—always balance cost with coverage quality.
Best Insurance Companies to Bundle Home and Auto
While “best” depends on your state, property type, and driving record, some providers consistently rank highly for bundle savings and customer satisfaction.
- State Farm: Known for competitive bundle discounts and strong local agent support.
- Progressive: Offers flexible online tools and solid savings for bundlers, especially if you like digital account management.
- Allstate: Attractive bundle deals with perks like accident forgiveness and easy-to-use apps.
- GEICO: One of the leaders in auto insurance, and bundling home (through partner companies) can create significant savings.
- Nationwide: Frequently cited for high customer satisfaction in bundle packages and a wide range of coverage options.
What to Watch Out For When Bundling
- Policy restrictions: Some insurers only allow bundling if your home and auto meet certain requirements.
- Discount limits: That “25% savings” ad may only apply to very specific scenarios—read the fine print.
- Claim handling: Check reviews about how bundled claims are handled, especially if one event damages both home and auto.
Tips for Maximizing Bundle Savings
- Raise your deductible slightly to lower premiums (only if you can comfortably cover it in an emergency).
- Ask about loyalty perks—some companies increase discounts the longer you stay bundled.
- Consider adding other policies, like renters, umbrella, or life insurance, to increase multi-policy savings.
Is Bundling Right for You?
Bundling isn’t always the best choice for everyone. If you live in an area where one insurer offers great auto rates but poor home coverage (or vice versa), splitting policies may be smarter. The key is comparison shopping: get quotes from at least three companies before deciding. For many American families, though, bundling is a straightforward way to cut costs while simplifying insurance management.