The top home and auto insurance bundle in 2021 belongs to Progressive, a company that provides a significant bundling discount with excellent coverage and bundling perks.
Updated June 29, 2021|4 min read
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Bundling home and auto insurance is one of the most effective and convenient ways to maximize your savings on these two important pieces of financial protection. Most major insurance companies will discount your rates by as much as hundreds of dollars annually if you bundle coverage for your home and car, but some insurers offer more savings potential and better all around coverage than others.
If you’re looking for the best insurance companies for both home and auto in 2021 , you’ve come to the right place. Customers have saved an average of 35% annually over their old rates after re-shopping with Policygenius. Read our guide to the best companies for both home and auto insurance as well as how to make the switch and cancel your current policy.
With a 30% discount on home and auto insurance and several bundling perks, Progressive is the best company for bundling home and auto in 2021
In addition to cost considerations, when comparing bundles you’ll want to consider the quality of coverage that you’re getting, customer and financial ratings for each insurer, and bundling perks
There are several benefits to bundling home and auto insurance, including savings, convenient billing and policy management, and insurability
While most major insurance providers offer sizable discounts for bundling your home and auto insurance, some insurers excel in certain areas more than others. We found Progressive to be the best overall home and auto insurance bundle in 2021 for both savings potential and coverage perks, but if you’re looking for significant savings on home insurance in particular, Encompass may be the best company to bundle with.
Progressive: Best overall home and auto insurance bundle
Chubb: Best bundle for high-value homes
Encompass: Best bundle for home insurance discounts
Stillwater: Best bundle for auto insurance discounts
USAA: Best bundle for U.S. military personnel and their families
Save up to $1,055 when you bundle
Customers who re-shop their home & auto bundles with Policygenius save big compared to their existing policies. Get your free quotes today and see how much you can save.
Best Overall Home and Auto Insurance Bundle
One of the largest insurers out there, Progressive provides a whole host of affordable coverage options and discounts. But they don’t directly handle claims.
Excellent web and mobile interface
Offers extended replacement cost coverage
Quality of claims handling may vary
Perks are limited
Read our Progressive home review
Progressive offers the best home and auto insurance bundle for those looking for both affordable coverage and bundling perks. The property insurance giant will discount your rates up to 30% if you bundle your home and car insurance and provides unbeatable perks like a single deductible on claims involving both your car and house.
Best for Bundling High Value Homes and Cars
Chubb is a premier insurance company that offers just about every kind of protection you need to protect your home and combined assets, but insurance with Chubb can be expensive and only really intended for high net-worth properties.
Industry-best coverage and policy perks
Deductible waived if loss is greater than $50,000
Cash-out claim settlement options
Insurance premiums among highest in the industry
Will only insure high-net-worth property
No quick-quote option through the Chubb website
Read our full Chubb review
If you own a high-value home (insurance value greater than $500,000), look no further than Chubb for bundling your home and auto insurance. Chubb policies tend to be pricier than that of other insurance companies, but their potential 20% discount on home and auto insurance should help cut into that premium a little.
Best for Bundling Discounts
Encompass provides extensive policy options and discount opportunities if you bundle home and auto. Otherwise, rates could be pretty high.
Variety of customizable policy options
Solid discount selection
Several unique, standout features
Accepts all dog breeds
Premiums may be high
Not available in all states
No instant quote tool
Read our full Encompass review
Encompass is one of our highest rated insurers for coverage, but we’ve also found that they charge an arm and a leg for homeowners insurance — that is, if you don’t bundle your home and auto policies. By bundling your home and car insurance with Encompass, we’ve found that you can save up to 30% on your home insurance policy alone (and around 5% on your auto premium).
Best for Bundling Discounts
Stillwater offers customizable policies for most types of homes, and will even cover you if you didn't have prior insurance. But their coverages and digital tools could be better.
Will insure homeowners with subpar credit and prior policy lapses
Multiple discounts available
Few digital tools
Limited coverage options
Read our full Stillwater review
If you’re looking for a steep auto insurance bundling discount, Stillwater is the insurance company for you. Drivers can save up to 25% on car insurance premiums by bundling with Stillwater. There is one downside to bundling with Stillwater, however: they route you to a different company (Plymouth Rock) for auto insurance, so they don’t exactly score points in the “convenience” category of bundling.
Best for the U.S. Military and Their Families
USAA features comprehensive home coverage and superior customer service at industry-leading rates, but only for members of the U.S. military and their families.
Excellent customer service and claims ratings
Industry-leading financial ratings
Several discounts to choose from
Only available to people affiliated with the military
No replacement cost coverage option for dwelling
Read our full USAA review
U.S. military personnel, veterans, and their families can save up to 10% bundling their home and auto insurance with USAA. Additionally, USAA offers unbeatable coverage and customer service, so the pricier premiums and lower discount potential may be worth it.
Here’s a look at how much you can save by bundling home and auto insurance with different insurers offered through Policygenius.
|Company||Bundling discount||Policygenius rating||A.M. Best Rating|
|Allstate||Up to 25%||7.4||A+|
|Chubb||Up to 20%||8||A++|
|Encompass||Up to 35%||8.3||A+|
|Mercury||Up to 15%||7.2||A|
|Metlife||Up to 22%||6.5||A+|
|Nationwide||Up to 20%||7.7||A+|
|Plymouth Rock||Up to 30%||8||A-|
|Progressive||Up to 30%||6.6||A+|
|Safeco||Up to 25%||7.3||A|
|Stillwater||Up to 35%||7.6||A-|
|Travelers||Up to 20%||7.7||A++|
Bear in mind that bundling discount amounts and availability will differ from state-to-state. The percentages in the above chart indicate an average and not necessarily the amount you’ll save on coverage. Bundling averages were provided by Policygenius agents and partnering insurers.
Along with potentially significant savings on home and auto insurance, bundling also comes with perks that you don’t get if you insure your home and car with separate insurance companies.
Here are five reasons why it’s better to combine your home and auto insurance with a single insurer.
You can save up to 35% on what you were paying before for home and auto insurance. Policygenius customers have actually saved an average of $1,250 compared to what they were paying under their old plan.
Bundling often comes with single deductible claims , meaning you only have to pay one deductible for a claim involving both your home and car. If you have home and auto insurance through two different insurers (or through a company that doesn’t offer this bundling perk), you have to pay separate deductibles for claims involving your home and car, even if the damage or loss was a result of the same event.
You live in a high-risk home. You might have a difficult time getting your house insured if it’s located in an area prone to natural disasters or property crime. However, insurance companies may be more lenient if you’re shopping for home and auto bundles. If you’re having trouble finding coverage, consider bundling your home and car insurance.
Bundling provides the convenience of only having to pay one bill to one insurance company. When you bundle policies, most insurers will combine your home and auto insurance premium into one convenient bill, among other time-saving perks.
Combining your home and auto insurance makes your insurance company less likely to cancel your coverage. As a show of appreciation for your loyalty, your insurance company will be more inclined to retain you as a customer if you use them for multiple lines of coverage. Certain reasons for policy cancellation — like filing too many claims or living in a high-risk home — may be ignored by your insurer if you bundle your home and auto insurance.
However, be sure not to bundle policies just for the sake of bundling. In some cases, you may find that mixing and matching with different insurers produces better coverage and rates. But in the majority of instances, bundling is the way to go.
Many people perceive bundling to be a complicated process that requires too much time and commitment to be worth the trouble — this couldn’t be further from the truth. Bundling home and auto insurance can actually be a fast and seamless process if you do it right.
When you get a quote through an independent agent or marketplace like Policygenius, simply indicate that you’re interested in bundling your home and auto insurance. After inputting all of the necessary information, you’ll be provided quotes where you can compare bundle packages from multiple companies as well as your current home and auto insurance.
If you already have home and auto insurance, be sure to give your current insurer a heads up in advance of your new policies going into effect. Make sure your current policies’ end dates are the same day that your new coverage goes into effect — this will help you avoid a lapse in coverage. If you paid your policy premiums for the year upfront with your current insurer and you cancel in the middle of your term, your insurer should issue you a full refund for the unused portion of the policy period.
In addition to bundling discounts, there are several other ways to lower your rates as well, including increasing your policy deductible, installing a security system in your home, re-shopping your rates with multiple companies, maintaining good credit, and making your home disaster resistant.
Yes, several major insurers — including Allstate, Progressive, and Travelers — offer multi-policy discounts if you combine your renters or other residential property insurance types with an auto insurance policy.
Among insurers that allow you to bundle home and auto insurance, MetLife is the best when it comes to claims satisfaction. The New Jersey-based insurance company placed first in J.D. Power’s 2021 Property Claims Satisfaction Study, and fifth in its 2020 Auto Claims Satisfaction Study.