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The Best Home and Auto Insurance Bundles of 2021
The best home and auto insurance bundles
Here are some of the best bundle offers from insurance companies:
- Best Customer Support: Progressive
- Best Coverage Options: State Farm
- Best for Discounts: Allstate
- Best for Military Members: USAA
Note that some of these offers may not be available in every state. Some states might also have additional savings options.
If your insurance provider isn’t on this list, that doesn’t mean that it doesn’t offer bundled discounts. Talk to your provider to see if bundled home and auto insurance is an option your company provides and if it would be beneficial for you.
Does bundling really save me money?
The best way to get affordable coverage for your family is to compare rates. It’s easy to get a free quote online with most providers. Some insurance providers also have estimation tools to help give a bundling estimate. You may find that you don’t need some add-ons, which can reduce your insurance costs, such as roadside assistance for auto insurance.
You also may be surprised how much you can save if you ask about discounts. If you already have home or auto insurance with a provider it’s best to ask about bundling savings and coverage options. How much you save when bundling depends on your state and policy.
How can bundling my insurance save me money?
Most insurance companies offer discounts when bundling your insurance policies with them. Auto and homeowners insurance policies are often bought together, but that’s not your only option. Some providers will allow you to bundle other policies including health, life or pet insurance for savings. The more policies you bundle, the more you can save.
How does bundling insurance work?
Bundling is easy. Oftentimes, it’s a quick phone call to your existing agent if you’re satisfied with their service. But it’s best to compare rates for the best savings and coverage. Take time to get free quotes and ask questions before narrowing down your choice. And make sure you’re comfortable with your agent’s service and tools. Once you’ve made your choice, the agent will finalize the policy and annual costs, then you’re set to go.
Benefits of bundling home and auto insurance
Learn about the pros and cons of insurance bundling, also called multi-policy discounts, and some insider tips on the best way to bundle.
- Money savings off annual premiums: Depending on the state you reside in, you can save money on your annual premiums. Most insurance companies offer anywhere between 10% and 15% discounts when you bundle home and auto.
- Simplified insurance contacts: When you bundle your insurance, you only have one insurance company, one agent and one customer portal. There is convenience and peace of mind in having one person to contact if something goes wrong and one place to manage your accounts.
- Lower deductible: With many insurance companies, if you bundle home and auto insurance, you only have one deductible that applies to both types of insurance.
- Competition avoidance: If you feel that you’ve gotten a good deal with the bundle discount, you may be less likely to shop around for other quotes each year to ensure you’re still getting the best deal.
- Getting lost in the discount: It is easy to get distracted by the discount percentage and fail to pay attention to the price of the insurance. Just because a company offers a higher bundle discount does not mean it is the best deal.
- Affiliate situations: Some insurance companies that offer bundles only provide insurance for part of your bundle and use an affiliate for the other part. That means you may end up working with more than one insurance company, agent and customer portal.
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Should you bundle home and auto insurance?
Bundling your insurance policies makes sense in a lot of situations, but it’s not the right choice for everyone. Here’s how to find out if bundling your insurance is a good idea for you.
When you should bundle
If you’ve got average- to high-priced homeowners insurance and car insurance with a relatively good driving record, it may be in your advantage to inquire with insurance companies about bundle discounts so that you can save a percentage on each policy by combining them into one.
If competitive home and auto insurance bundle quotes show you that bundling will give you the coverage that is the same or better than what you already have and will save you money off annual premiums, bundling is an ideal option for you.
When you shouldn’t bundle
If you know you’re the type to bundle and then never check competitive pricing again, bundling may not be the best option for you. Getting a discount does not mean you’re getting the best deal. Insurance companies can increase premiums over time, so check regularly to ensure you’re not spending more than you should
Bundling might also not be a good option for you if you have a high-risk auto insurance policy (expensive car or poor driving record). Some car insurance companies specialize in offering cheap car insurance for this type of consumer that is often less expensive than the bundle price.
You should also not bundle your policies if it means sacrificing or limiting your insurance coverage or if the bundle price is higher than the price of the individual policies combined.
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Tips on bundling and how to bundle
We recommend comparing quotes on home and auto insurance yearly, both separately and bundled. You can get most of your home and auto insurance quotes online. If you need assistance, an independent insurance agent can help you get quotes from multiple companies to find the best value option. Also, don’t forget to ask insurance companies what other discounts you may qualify for beyond the multi-policy or bundle discount.
We welcome your feedback on this article and would love to hear about your experience with the home and auto insurance bundles we recommend. Contact us at firstname.lastname@example.org with comments or questions.