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When you have a home and a car, getting insurance is a requirement. Your insurance policy can help you avoid unmanageable costs if something happens to your home or car and you can’t afford to replace it. For a monthly premium, you can reduce your risk in the event something happens.
However, paying insurance premiums can feel expensive. One way to get a cheaper rate is to bundle your insurance policies. If you buy a home and auto insurance bundle, you can receive a discount of up to 10% or more, depending on the company and other factors. If you’re trying to figure out if you can save money, here are the best home and auto insurance bundles.
Best Home and Auto Insurance Bundle Overview
|Brand||Best For||Bundle Discount Amount|
|Progressive||Loyal policyholders||Average of 12%|
|Allstate||Personal service||Up to 10% off auto premiums; up to 25% off home premiums|
|Nationwide||Discounts||Up to 25%|
|State Farm||Claims process||Up to 15%|
|USAA||Full service||Up to 10%|
|Liberty Mutual||A second chance||N/A|
Best Home and Auto Insurance Bundles
Choosing the best home and auto insurance bundle requires some shopping around. Contact different insurers and compare coverage options as well as costs. Here are some of the best home and auto insurance bundles.
Progressive: Loyal Policyholders
One of the most famous companies is Progressive, and they offer discounted home and auto insurance bundles that can save you money. Progressive is known for providing quotes for other insurers as well as offering quotes for their own policies. It’s a way to get a feel for what’s available and perhaps get a discount as well.
- Several discounts available
- Integrated with Google Home, making it easy to ask for help
- Injury protection for traveling pets
- Premiums aren’t always the lowest
- The bundle process can be a little cumbersome
Read more: Progressive Insurance Review
Allstate: Best for Personal Service
While other companies offer the possibility of bundling more than one type of insurance, Allstate limits it to two policies. You might be able to add a third policy to your home and auto bundle with other insurers, but Allstate won’t allow you to bundle more than two policies and one of them has to be an auto insurance policy.
However, even so, Allstate generally gets good marks for customer service and is known for its personal touch.
- Outstanding customer service
- User-friendly website
- Steep discounts lead to competitive rates
- Can only bundle two policies, not three
- Your phone number will be shared with local agents
- Premiums can be higher than average
Nationwide: Best for Discounts
Another well-known company that offers home and auto insurance bundles is Nationwide. In fact, there’s a lot of flexibility in the different discounts available. It’s possible to bundle other types of insurance, including boat insurance, with auto and home policies.
Nationwide is also known for its service, low prices, and discounts, even though the company isn’t particularly known for good customer service.
- Live agents to help with the process
- Accident forgiveness
- Additional bundling available, including pet insurance
- The claims process can be difficult
- Spotty customer service, depending on the representative
State Farm: Best Claims Process
One of the largest insurers in the country is State Farm. The company is also known for its customer service and claims process. State Farm also offers the ability to bundle home and auto insurance. In addition to offering a variety of discounts on separate auto policies, State Farm also offers bundling discounts.
There are thousands of State Farm agents all over the country, and they offer major policies to meet a variety of needs.
- Access to a large network of face-to-face agents
- Robust website and mobile app
- Variety of insurance products and bundling options
- Rates are sometimes higher-than-average
- Agents can vary, so shop around for an agent that fits your needs
- Not all products are available in all states
USAA: Best Full-Service
For those who qualify for an account with USAA, this can be one of the best places to get a home and auto insurance bundle. The credit union is known for its good service and wide range of products. In addition to providing discounted bundles, USAA members can also take care of other banking needs.
The main downside to USAA is that membership is limited. You have to be a member of the military, a veteran, or a military family member in order to join the credit union and access the coverage.
- Competitive rates
- Other banking needs are available with USAA
- Good customer service
- Must meet membership requirements to access USAA products
- Must be active-duty military to get the best deals
Liberty Mutual: Best for a Second Chance
For those who have had trouble getting coverage in the past, Liberty Mutual can be a good choice. In addition to offering a range of insurance policies, Liberty Mutual also provides a discount if you bundle home and auto insurance.
Realize, though, that even with a home and auto insurance bundle discount, the cost of insurance coverage with Liberty Mutual can be higher. However, if it’s difficult to get coverage elsewhere, Liberty Mutual might be your best option.
- Available to those who have trouble getting coverage
- Affinity discounts for certain groups of people
- Easy-to-use website to manage all aspects of your policy
- Customer service isn’t as robust as some others
- Higher premiums for second-chance policies
Bonus Option #1: Policygenius
Shopping around at each of these companies for the best insurance could take more time than you have to spend. Instead, you can visit Policygenius and let this time-saving tool do the work for you.
Policygenius can compare policies for home and auto and even mix and match options to find the best deal for you. According to Policygenius, customers using their service have saved an average of $1,167 per year.
- Quickly compare different options
- Easy-to-use website
- Mix and match options to customize your policy
- You might have to complete your application with a third-party
- Doesn’t offer all options for all the states
Read more: Policygenius Review
Bonus Option #2: Young Alfred
Young Alfred is an insurance comparison site that can help you view quotes from some of the top insurers in the nation, such as Progressive, Travelers, and Lemonade. You can compare many types of insurance, including home and auto insurance bundles.
One unique feature of Young Alfred is its free risk report tool. This tool analyzes your property and tells you what the highest risks in your area are. For example, it might find that the most common issues in your neighborhood are related to mold damage and bursting pipes. This lets you save more money by customizing your insurance coverage, paying only for the protection that you need.
- Customize your insurance and only pay for what you need
- Compare quotes from top insurers
- Risk report tool
- The detailed application can be long and require a lot of information
- Online-only, so it’s not ideal for those who want to work with an agent
Should You Bundle Your Home and Auto Policies?
As you decide whether to bundle your home and auto insurance, its important to consider your personal needs and compare your options. Here are some of the questions to ask yourself before you decide whether or not to bundle.
Is It Really Cheaper?
The first question to consider is whether the best home and auto insurance bundle is actually less expensive than getting two separate policies from different companies.
In some cases, even with a discount, getting a bundled policy isn’t also the least expensive option. Before deciding to bundle, it’s important to compare your options from various sources. Figure out how much it costs to get separate policies from different companies, then compare that to a bundle package. You might find, in some cases, that bundling won’t actually save you money.
Do You Have a High-Risk Asset?
Sometimes, you might have a hard time insuring an asset that’s considered risky. It might be a motorcycle or a boat, or maybe you have a high-risk home. If you’re willing to bundle your policies, you can build a deeper relationship with an insurer and potentially get the coverage you need. If you want motorcycle coverage, but you’re having a hard time getting it, getting a home and auto insurance bundle might give you an opening.
Sometimes, it’s less about the cost and more about your long-term needs. It might be worth it to pay a little more for a bundle in order to get a preference for higher-risk insurance.
Is It More Convenient?
Finally, decide if it would be more convenient to have your policies bundled with one company. If there’s not a big difference in price, it might be worth it to pay a little more to have one bill for your property insurance. Carefully consider your preferences and needs and what is likely to work best for your situation. If a bundle streamlines your bills and your finances, helping you better manage your money, it might make sense to bundle.
How to Get the Best Deal on a Home and Auto Bundle
If you’re looking for the best deal on home and auto bundles, it’s a good idea to shop around. Get quotes from several different companies. Depending on the carrier, you might also be able to get additional discounts if you add more policies to the bundle, including life insurance or pet insurance.
Start by asking about different options and discounts, and then compare what you can get elsewhere.
Here are some of the most common questions about bundling your home and auto insurance.
How much do you save by bundling home and auto insurance?
When you bundle multiple policies with one company, you’re often offered a discount. A recent study by InsuranceQuotes suggests that you might be able to save a little more than 16% when you combine home and auto insurance into a bundle.
Which types of insurance can be bundled together?
This depends on your insurance company. Some companies will only allow you to bundle two types of coverage, usually home and auto insurance, while others will allow larger bundles. Depending on the company, you might see even bigger discounts by putting all your property and liability insurance coverage under one roof.
What are the advantages of bundling insurance policies?
While the policy discounts are often one of the biggest reasons to bundle your insurance policies, there are other advantages that might be available, including the convenience of having only one insurance company, a simplified claims process, and your agent can better help you figure out where you might have gaps.
How We Came Up with this List
We reviewed several insurance companies to find different policies likely to fit a variety of needs. We considered ease of use, customer service, discounts, and other factors that could be applied to different circumstances. You’re likely to find a policy that fits your requirements on this list.
The best home and auto insurance bundle is the one that allows you to accomplish your goals. Figure out what coverage you need, and comparison shop to see which companies offer you the best value for your money even if the premium isn’t the lowest.