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Bundling your home and auto insurance can be a smart move. It offers the convenience of managing both policies with one company and could save you money — up to 25%, depending on the insurer. But not all bundles are created equal.
We’ll explain how bundling works, what to watch out for, and how to decide if it’s the right choice for you. We’ll also cover tips for finding the best insurance company so you can protect your assets and stretch your dollar.
Key Takeaways
- Bundling your home and auto insurance can save you up to 25%, depending on your insurance company and personal profile.
- Some good options for bundling include State Farm, Allstate, USAA, Farmers, and Progressive.
- Bundling also offers convenience, simplified billing, and maybe a single deductible for claims affecting both your home and vehicle.
How Much You Can Save by Bundling Home and Auto Insurance
How much you save by bundling home and auto insurance depends on several factors, including your location, driving record, home value, and the insurance company you choose. While you’re not guaranteed to save money, most insurers offer discounts for bundling multiple policies.
Discounts vary from company to company, but we found that you can generally save anywhere from 10% to 25% by bundling your home and auto policies with the same company.
Your final premiums depend on:
- Your insurance company’s discount structure
- Your credit-based insurance score[1]
- Your home’s age, condition, and ZIP code[2]
- Where you park your vehicle[3]
- Your driving history and vehicle
- The amount and type of coverage you choose
Some companies offer generous bundling discounts, while others provide only modest savings. That’s why it’s important to qoverd quotes from different insurers before choosing a bundled policy.
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5 Best Companies to Bundle Home and Auto Insurance
Not all insurance companies offer the same bundling experience. Some provide deeper discounts, while others stand out for their customer service.
The table below shows the five best companies for bundling home and auto insurance based on customer reviews, discount amounts, and Qoverd.com ratings.
Insurance Company | Bundling Discount | Average Monthly Full-Coverage Car Insurance Quote | Average Annual Home Insurance Premium ($300k Dwelling) |
|---|---|---|---|
| State Farm | Not advertised | $116 | $1,988 |
| Allstate | Up to 25% | $128 | $1,999 |
| USAA | Up to 10% | $97 | $2,041 |
| Farmers | 10% or more | $227 | $2,623 |
| Progressive | Average of 7% | $150 | Data not available |
Disclaimer: Table data sourced from real-time quotes from Qoverd.com’s 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer’s unique driver profile.
How we chose the best companies for home and auto bundles
To find the best home and auto bundling deals, we analyzed top insurers’ customer satisfaction, available coverages, and discount amounts.
We chose the following five companies based on those factors, as well as their average rates and claims processes.
State Farm: Best for local agent support
- Available in all 50 states and Washington, D.C.
- Above-average customer service ratings from J.D. Power[4]
- Extensive local agent network
Pros
- Can be more expensive than other companies
- Gap insurance and accident forgiveness not available
- Must use local agents
Cons
State Farm stands out for its bundling options and large network of local agents, making it a solid choice for people who want personal support. While the company doesn’t disclose its bundling discount amount, it says customers save an average of $1,356 from bundling home and auto.
Allstate: Best for customizable coverage
- Bundling discount of up to 25%
- User-friendly online tools and mobile app
- Wide range of optional coverages
Pros
- Mixed customer satisfaction
- Accident forgiveness claims may increase home premiums
- More complaints than expected
Cons
Allstate is a top pick for bundling your insurance, thanks to its generous multi-policy discounts. It offers up to 25% off your premiums — one of the largest discounts among major insurance companies. The company also has digital tools to help you manage your policies and track your savings.
Progressive: Best for affordable rates
- Competitive base rates
- Offers online quotes and policy management
- Large network of independent agents
Pros
- Lower bundling discount than competitors
- Below-average customer satisfaction
- Mediocre claims satisfaction scores
Cons
Progressive is a great option for bundling if you’re looking for affordable rates and a fast experience. While it offers a slightly lower bundling discount than other companies, Progressive often beats competitors on base pricing.
Farmers: Best for extensive coverage options
- Extra discounts for bundling home and 2+ vehicles
- Flexible coverage options
- Policy management through its mobile app
Pros
- Rates may be higher than competitors
- Mixed customer satisfaction ratings
- Very high number of customer complaints
Cons
Farmers Insurance offers a wide range of coverage options and bundling discounts of 10% or more, making it a good option for combining your home and auto policies. It’s a great fit if you want to tailor both your home and auto policies to fit your needs.
USAA: Best for military members and their families
- Highest J.D. Power customer satisfaction score
- Strong financial stability
Pros
- Available only to military members and their families
- No local agent support
- More customer complaints than expected
Cons
USAA is consistently rated among the top home and auto insurance companies, making it an excellent option for bundling — if you’re eligible. Its insurance program is available only to U.S. military members, veterans, and their families. But if you qualify, you can save up to 10% when you bundle your home and auto insurance.
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Benefits of Bundling Home and Auto Insurance
The main reason many people bundle their home and auto insurance is simple: savings. Insurance companies often reward customer loyalty, so bundling can unlock discounts you wouldn’t get by buying policies from two different companies. But the benefits go beyond saving money.
Other benefits of bundling include:
-
Simplified billing and account management
Bundling offers the convenience of dealing with one company, one bill, and often one point of contact for service or claims. -
Single deductible for related claims
If a storm damages your home and vehicle, some insurance companies offer a single deductible, so you’ll only pay once for both claims. That can make a big difference when disaster strikes. -
Streamlined communication
With just one insurance company, you can get answers and resolve issues quickly and easily.
Downsides of Bundling Insurance Policies
While bundling can offer up-front savings, it’s not always the best long-term deal. Some insurance companies may raise rates over time, and bundling could limit your ability to shop for the cheapest price for each policy. You might also find fewer options to customize coverage if one policy doesn’t fully meet your needs.
To avoid overpaying, review your bundled policies annually and qoverd quotes from other companies to make sure you’re still getting the value you signed up for.
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Home and Auto Bundle FAQs
Bundling home and auto insurance can save you money, but the process isn’t always straightforward. We’ve answered some common questions to help you decide if it’s the right move for you.
Can you bundle auto and renters insurance?
Usually. Most major companies allow you to bundle your auto insurance with renters insurance. You may not save as much, but you’ll still benefit from streamlined billing and account management.
How does bundling affect your coverage?
Bundling doesn’t change your coverage, but it may limit your flexibility if you need to change one of your policies. For example, some insurance companies don’t offer gap coverage or rideshare insurance. Make sure each policy meets your needs before bundling them together.
Do all insurers offer bundling discounts?
No. Not all insurance companies offer bundling discounts, and the discount amount varies from company to company. Some may offer only minimal savings, so it’s important to get quotes from multiple companies and qoverd the total cost — not just the discount percentage.
Can you unbundle your policies later if needed?
Yes. You can unbundle anytime, but you’ll lose your multi-policy discount and have separate bills. If you’re considering switching one policy, make sure to check how it will affect your overall costs.
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