Bundled home and auto insurance quotes

Bundling your homeowners and auto insurance from the same company can lead to significant cost savings, along with benefits like easier policy management and a single monthly payment.

While some insurance companies offer greater savings for bundling, it’s essential to compare quotes to find the best option that suits your coverage needs, budget, and location.

Written by Elizabeth Rivelli

Edited by Alyssa DiCrasto

Last updated: June 28, 2023

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Cheap bundled home and auto insurance

There are a variety of ways to lower your insurance costs, but bundling your policies is one of the most effective. Bundling your homeowners insurance and your auto insurance from the same company can result in a big discount on your premium. Not to mention, bundling has other benefits, like easier policy management and a single monthly insurance payment.

If you’re thinking about bundling your home and auto insurance, it’s a good idea to get quotes to see how much you can realistically save. Some insurance companies offer greater savings for bundling than others. In this guide, we’ll explain how to get bundled home and auto insurance, and which companies have the best bundled home and auto insurance quotes.

How does a home and auto insurance bundle work?

A home and auto insurance bundle is when you purchase both policies from the same insurance company. When you bundle home and car insurance, you still have two separate policies, with the option to customize your coverage limits and add endorsements for each. But while each policy has a separate premium, you typically pay the combined premium of both policies together.

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Based on your answers to our short quiz, we’ll estimate how much your bundled will cost at each of the top providers near you, so you can find the coverage you need at a price you can afford.

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Should I bundle home and auto insurance?

Bundling home and auto insurance has a number of benefits. First, most insurance companies offer a significant discount when you purchase multiple insurance products. However, the discount might only be for one policy. For example, you might get a 20% discount on your auto insurance policy when you purchase auto insurance and home insurance from the same carrier. Another benefit of policy bundling is that it’s much easier to manage your insurance policies. You only have to deal with one insurance company or agent, and you only have to use one account or mobile app to pay your bill, file claims, and access your insurance ID cards. And if you’re paying a combined premium, you never have to worry about missing a payment for one of your policies and not the other.

Can I bundle other policies?

Yes, most insurance companies allow you to bundle other policies together. For example, you can usually bundle car insurance with any property insurance policy, like renters insurance or condo insurance, to get a discount. Some insurers, like Progressive, also offer savings if you bundle any two insurance policies together, like boat insurance and RV insurance.

Who is the best insurance company for home and auto

There isn’t a single best insurance company for bundling home insurance and auto insurance. However, some insurance companies offer more generous multi-policy discounts than others.

For example, State Farm claims that customers can save up to $1,073 when they bundle homeowners insurance and auto insurance. Progressive says that customers can save an average of more than 20% on their policy bundle, and Liberty Mutual says you can save $950 on your insurance bundle.

If you’re interested in bundling your policies, it’s a good idea to compare home and auto insurance quotes from a few insurers. Most companies allow you to get a multi-policy quote online, so you can see exactly how much you will pay (and save) for the policies you want.

However, it’s important to remember that the best auto and home insurance companies are different for everyone based on coverage needs, budget, and location.

While saving money is a major benefit of policy bundling, you should still choose an insurance company that meets your unique needs. The company with the best coverage options may not have the biggest policy bundling discount. In that case, there may be additional ways to save through other discounts.

Is insurance cheaper when you bundle?

In many cases, insurance costs less when you bundle your policies. However, it’s not a guarantee. It might actually be cheaper to purchase car insurance from one company and home insurance from another company, depending on your situation. Getting multi-policy quotes from several insurance companies will help you figure out if bundling is a cheaper option than buying individual policies.

You can take our short quiz to see how much you can expect to pay for bundled home and auto insurance.

How to get cheap home and auto insurance

Bundling your home and auto insurance is one way to get cheaper coverage. You should shop around and compare bundled quotes to see which insurance company can offer you the best deal for your bundled policies.

However, there are additional ways to reduce the cost of your home and auto insurance separately, which may lead to a lower combined premium. Here are some ways to lower your insurance costs:

Choose high deductibles

Choosing higher deductibles for policies like dwelling insurance or collision insurance will result in a lower premium.

Look for discounts

Most insurance companies offer discounts for home and auto insurance separately.

Pay in full

The best car insurance company is different for every driver. It depends on your coverage needs, what discounts you can qualify for, your budget, and what you value in an insurance company. To find the best car insurance company, research several insurers that meet your coverage needs, then get quotes to find the most affordable policy for you.

Avoid Claims

Customers with no auto or home insurance claims on their record often get a small discount on their premium.

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Frequently asked

How much should a bundle price be?

The cost of an insurance bundle depends on many factors, like your insurance company, location, what policies you’re purchasing, your claim history, and other things. There are also policy-specific factors that determine the overall cost of a home and auto bundle, like your driving record, the age of your home, your vehicle type, and your coverage limits.

What are the disadvantages of bundling?

There aren’t many disadvantages of bundling insurance policies. However, bundling isn’t necessarily the best choice for everyone. To get the best car insurance and the best home insurance for your needs, you might have to purchase policies from two separate companies. You shouldn’t purchase an insurance policy that doesn’t meet your personal needs just to save money through bundling.

What is the best auto insurance company?

What is the best home insurance company?

There isn’t a single home insurance company that is the best for everyone. Every home insurance company has unique advantages and disadvantages, so comparing multiple providers is important. Like with car insurance, you should also compare rates from several home insurance carriers to find the cheapest policy for your situation.

How is Rate Retriever different than other insurance websites?

The biggest difference between Rate Retriever and other comparison sites is that we are a free and impartial research tool NOT an insurance marketplace. This means you can’t purchase a policy directly through RateRetriever.com, but you can use our tool to independently research your options and seamlessly connect with the provider you choose.

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