Combining your homeowners (or renters) policy with your auto insurance under a single carrier remains one of the most effective ways to lower your annual insurance bills.
Whether you're purchasing a new home or reviewing existing coverage, requesting a bundled home and auto quote can yield substantial savings while streamlining your financial recordkeeping.
How Much Can You Actually Save by Bundling?
In 2026, homeowners who combine auto and home policies report saving between 10% and 25% across their total premiums. On average, policyholders save anywhere from $350 to over $1,000 annually depending on location, vehicle choice, and coverage tier.
Separate Policies: [ Home: $1,800/yr ] + [ Auto: $1,600/yr ] = $3,400 Total
Bundled Policy: [ Home + Auto Multi-Policy Discount ~20% ] = $2,720 Total
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ANNUAL SAVINGS: $680 / year
Top Benefits of Getting a Bundled Insurance Quote
- Substantial Multi-Policy Discounts: Insurers offer their steepest percentage cuts when you maintain multiple active lines of insurance with them.
- Single Deductible Perks: Select insurance carriers offer a single deductible clause. If a storm damages both your roof and a car parked in the driveway, you pay only one deductible instead of two.
- Unified Management & Single Renewal Date: Having a single account portal, one billing schedule, and one customer service team eliminates policy tracking confusion.
- Reduced Risk of Non-Renewal: Insurers are statistically less likely to cancel or non-renew a customer who holds multiple policies compared to a single-policy holder.
Top Carriers for Home & Auto Insurance Bundles
- Compare Total Cost, Not Just Discount Percentages: A 25% discount off a high base rate can still cost more overall than a 10% discount off a lower baseline rate. Always evaluate the net dollar total.
- Gather Accuracy Data First: Before requesting online quotes, collect your current home square footage, roof replacement year, garage details, and vehicle VINs to ensure accurate pricing.
- Re-Shop Every 2 to 3 Years: Carrier pricing models change frequently. A bundle that offered the lowest rate two years ago might no longer be the most competitive option today.
- Check AM Best Ratings: Ensure any insurer you consider maintains an AM Best financial strength rating of A- or higher to guarantee reliable claims handling during large disasters.
Comparing bundled quotes takes less than 15 minutes online or over the phone. By combining your homeowners or renters policy with your vehicle coverage, you can unlock immediate annual savings while reducing administrative headaches.
