By bundling your home and auto insurance, you could save money with a multi-policy discount.
What does it mean to bundle your home and auto insurance?
Bundling home and auto insurance is the practice of buying these two insurance policies from the same company. Many companies offer a discount when you buy multiple policies and the paperwork can sometimes be easier this way. People often ask, “Should I bundle my home and auto insurance?” There’s no one-size-fits-all answer, so let’s explore this more.
Consider bundling your home and auto insurance.
Many insurance companies will offer you a discount if you choose to get your home and auto insurance bundled with them. These discounts can run anywhere from 10% to 25% of the policy premium, which can result in significant savings. In addition, you may be able to pay the premium for the policies together, which adds convenience. Even if you do have to pay separately, just dealing with one insurance carrier can save you time when your renewal rolls around.
Check the individual policy prices and coverages.
The discount and the convenience of having your home and auto insurance bundled can be very enticing, but if savings are what you’re after, this may not be the least expensive option. Additionally, some companies may only bundle certain policies, leaving you buying more coverage than you need simply to get the bundled rate.
What does it mean to bundle insurance?
Bundling insurance means purchasing multiple insurance policies through one insurance company, which can make it easier to manage your insurance.
How much can you save by bundling insurance?
You may be able to get a multi-policy discount of anywhere from 10% to 25%, so bundling your home and auto insurance can help you save money on your coverage.
You can bundle auto insurance with renters insurance, too.
While home and auto insurance are commonly referred to together as an option to bundle, this doesn’t necessarily help someone who doesn’t own their home. If you have renters insurance (and you should), you may be able to bundle that policy with your auto policy as well.
Questions about bundling your home and auto insurance? Contact us today.
Home and Auto Bundle Insurance FAQ
What does it mean to bundle home and auto insurance?
Bundling home and auto insurance means purchasing both policies from the same insurance company. Many insurers offer a discount when you do, and managing your coverage can be easier when everything is with one carrier.
How much can you save by bundling home and auto insurance?
Bundling home and auto insurance can save you anywhere from 5% to 15% or more on your premiums through a multi-policy discount. Savings vary by insurer and policy, so it’s a good idea to compare bundled and individual rates to see how much you could save.
Is bundling home and auto insurance always the cheapest option?
Not always. While bundling often lowers your overall premium, it isn’t always the least expensive option. Some insurers may require you to carry certain policies to qualify for the bundled rate, which could mean paying for more coverage than you need. Comparing bundled and individual quotes can help you find the best value for your situation.
Can you bundle auto insurance if you don't own a home?
Yes. If you have renters insurance, you may be able to bundle that policy with your auto insurance and still qualify for a multi-policy discount, just like a homeowner could.
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