Best home and auto insurance bundles of 2022

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Jennifer Gimbel

By

Jennifer Gimbel

Jennifer Gimbel

Senior Managing Editor & Home Insurance Expert

Jennifer Gimbel is a senior managing editor and home insurance expert at Policygenius, where she oversees our homeowners insurance coverage. Previously, she was the managing editor at Finder.com and a content strategist at Babble.com.

Edited byPat Howard

Pat Howard

Managing Editor & Licensed Home Insurance Expert

Pat Howard is a managing editor and licensed home insurance expert at Policygenius, where he specializes in homeowners insurance. His work and expertise has been featured in MarketWatch, Real Simple, Fox Business, VentureBeat, This Old House, Investopedia, Fatherly, Lifehacker, Better Homes & Garden, Property Casualty 360, and elsewhere.

Expert reviewed

Expert reviewed

This article has been reviewed by a licensed Policygenius expert to ensure that sources, statistics, and claims meet our standard for accurate and unbiased advice.

Learn more about oureditorial review process.

By

Fabio Faschi, PLCS, SBCS, CLCS

Fabio Faschi, PLCS, SBCS, CLCS

Licensed Property & Casualty Insurance Expert

Fabio Faschi is a licensed property and casualty insurance agent. His expertise on home and auto insurance has been featured on Forbes, Consumer Affairs, Realtor.com, Apartment Therapy, SFGATE, Bankrate, and Lifehacker.

Updated

Policygenius content follows strict guidelines for editorial accuracy and integrity. Learn about our editorial standards and how we make money.

Best home and auto insurance bundle comparison

One of the easiest ways to save BIG on your insurance costs is by combining your home and auto policies with one company through an insurance bundle. Most insurers offer multi-policy discounts of anywhere from 5% to 30% off your premiums when you bundle your home and car insurance together.

Our winner for the best home and auto insurance bundle is Auto-Owners — thanks to its competitive rates, variety of car and home insurance coverages available, and excellent customer satisfaction and financial stability ratings. Our next top picks for the best insurance bundles of 2022 are USAA, State Farm, Erie, and Farmers.

Insurance company

Policygenius bundling rating

Average bundling cost

Average savings

Auto-Owners Insurance

4.9 out of 5 ★

$2,405

12%

USAA

4.7 out of 5 ★

$2,434

6%

State Farm

4.7 out of 5 ★

$2,341

26%

Erie

4.5 out of 5 ★

$2,142

18%

Farmers

4.0 out of 5 ★

$3,450

18%

Methodology: Why you can trust our picks for the best home & auto insurance bundles

At Policygenius, our educational guides are written and fact-checked by licensed home insurance experts and reviewed by our Financial Review Council to ensure autonomy, expertise, and accuracy.

To find the best insurance companies for bundling home and auto insurance, we researched, analyzed, and rated companies across different ratings and metrics, including average annual bundling premiums, AM Best ratings, J.D. Power customer satisfaction and claims ratings, NAIC customer complaint numbers, and more.

We converted each metric to a standardized amount (or z-score) to ensure we were rating the companies against each other and not some arbitrary baseline. This also made it possible to accurately combine rating metrics with different scales — such as the J.D. Power rating and NAIC index score — to come up with an overall rating for the larger customer experience category.

We rated 10 companies in the following areas, weighted differently based on order of importance to customers in 2022.

Cost (35%)

  • Average annual bundling premium (80%): We calculated each company’s average annual rate when you bundle your home and auto insurance policies.
  • How we calculated auto bundling rates: We calculated each company’s average annual premium with a multi-policy discount for a 30-year-old male driver with a 2017 Toyota Camry and the following limits on a full-coverage policy: bodily injury liability ($50,000 per person, $100,000 per accident), property damage liability ($50,000 per accident), uninsured/underinsured motorist($50,000 per person, $100,000 per accident), comprehensive ($500 deductible), and collision ($500 deductible).
  • How we calculated home bundling rates: We calculated each company’s average annual premium with a multi-policy discount for a 40-year-old female homeowner with no claim history, good credit, a $1,000 deductible, and the following coverage limits: dwelling ($300,000), other structures ($30,000), personal property ($150,000), loss of use ($60,000), liability ($300,000), and medical ($1,000).
  • Each company’s average annual premium is a national average, and amounts can often vary drastically from state to state. To ensure we were reporting the national average accurately, we created a weighted average based on companies’ market share presence from state to state.
  • Discounts (20%): Number of home and auto insurance discounts offered by each company.

Financial confidence (25%)

  • AM Best rating (50%): We scored each company based on their rating with AM Best — the insurance industry’s leading credit rating agency.
  • S&P rating (25%): The S&P rates insurance companies’ long-term ability to pay out claims.
  • Moody’s rating (25%): Moody’s rates insurance companies’ ability to repay short and long-term debts.

Customer experience (20%)

  • J.D. Power customer satisfaction score (35%): Rates companies based on customer interaction, policy offerings, price, billing process and policy information, and claims.
  • J.D Power claims satisfaction score (35%): Rates companies based on claim settlement, claim servicing, final notice of loss, estimation process, and repair process.
  • J.D. Power digital experience score (15%): Rates companies based on desktop and mobile web experience by looking at the following factors: ease of navigation, speed, visual appeal, information, and content.
  • NAIC Customer Complaint Index (15%): Scores whether or not the company receives more or less complaints than the average company.

Coverage (20%)

  • The number and quality of coverage add-ons, tiers of coverage, and policy perks offered by each company for both home and auto insurance.

Once we determined each company’s Policygenius bundling score, our team of insurance experts analyzed the list to choose the best options overall.

Deep dive into the best home and auto bundles

The best insurance company for bundling isn't necessarily the cheapest. When choosing a home and auto bundle, you'll also want to consider claims satisfaction, customer service, and coverage options available. That's where our Policygenius bundling ratings come in. 

We created new ratings to analyze specifically how well a company’s bundling package stacks up to competitors. To determine our top picks, we looked at each company’s average rates when you bundle, claims satisfaction scores, financial strength ratings, and home and auto coverage options available.

To calculate the average bundling rate for each company, we analyzed sample policies from over 50 carriers to find the cost difference between bundling your home and auto insurance policies together versus purchasing them separately. Keep in mind that the actual rate you’re quoted will vary depending on a number of additional factors.

Auto-Owners Insurance

Policygenius rating 

Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.

Full orange starFull orange starFull orange starFull orange starHalf orange star

4.9

AM Best rating 

A.M. Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).

A++

Cost 

Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).

$

$

$

$

$

Why we chose it

Auto-Owners Insurance earns the highest Policygenius Bundling Rating thanks to its low rates, slew of home & auto insurance discounts, and excellent customer satisfaction scores.

Auto-Owners was also named the Best Regional Home Insurance Company of 2022
Pros and cons

Pros

  • Offers 20+ home & auto insurance discounts to save even more

  • Only pay one deductible if your home & car are damaged in the same covered event

  • Below-average number of customer complaints

Cons

  • Only available in 25 states

  • Can't file claims online

More details

Home insurance discounts

  • Multi-policy

  • Responsible payment

  • Claim free

  • Loyalty

  • New homebuyer

  • Paperless billing

  • Protective device

  • Advance quote

  • Automatic backup generator

  • Water shutoff system

  • Mortgage-free

Auto insurance discounts

  • Multi-policy

  • Payment history

  • Green discount

  • Life multi-policy

  • Paid-in-full

  • Advance quote

  • Safety feature

  • Favorable loss history

  • Multi-car

  • High deductible

  • Good student

  • Student away at school

  • Teen driver monitoring

USAA

Policygenius rating 

Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.

Full orange starFull orange starFull orange starFull orange starHalf orange star

4.7

AM Best rating 

A.M. Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).

A++

Cost 

Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).

$

$

$

$

$

All 50 states

Why we chose it

USAA is a good choice for military members and their families looking to bundle their home and auto insurance together thanks to its competitive rates, slew of discount and coverage options, and best-in-class customer satisfaction ratings.

Read our full review of USAA home insurance
Pros and cons

Pros

  • 16+ discounts and perks for members of the armed forces

  • Pay no deductible if your uniform is damaged or stolen while on active duty

  • Industry-best customer service and claims satisfaction ratings

Cons

  • Only available to military families

  • Doesn’t offer extended dwelling coverage options for home insurance

More details

Home insurance discounts

  • Multi-policy

  • Multi-product

  • Protective devices

  • Connected home

  • Loyalty

  • Claims-free

Auto insurance discounts

  • Multi-vehicle

  • Good driver

  • Good student

  • New vehicle

  • Anti-theft device

  • Storing your car

  • Garaging your car

  • Low mileage

  • Legacy

  • Loyalty

State Farm

State Farm logo

Policygenius rating 

Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.

Full orange starFull orange starFull orange starFull orange starHalf orange star

4.7

AM Best rating 

A.M. Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).

A++

Cost 

Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).

$

$

$

$

$

All 50 states

Why we chose it

State Farm's nationwide availability, low bundling rates, and outstanding customer satisfaction scores makes it a top pick for bundling your home and auto insurance. It also earned the award "Best Insurance Company for High-Risk Homes" earlier this year.

Read our full review of State Farm home insurance
Pros and cons

Pros

  • Score an extra 30% off your auto insurance rate with its special usage-based program

  • High customer satisfaction scores & financial stability ratings

  • Can bundle homeowners, renters, condo, auto, & life insurance policies

Cons

  • Not many speciality car insurance coverage add-ons, like full glass coverage or lock replacement

  • Fewer home insurance discount opportunities than competitors

More details

Home insurance discounts

  • Multi-policy

  • Protective devices

  • Fortified roofing

  • Higher deductible

Auto insurance discounts

  • Safe driver

  • New driver

  • Accident-free

  • Defensive driving course

  • Vehicle safety devices

  • Passive restraint system

  • Anti-theft

  • Multi-auto

  • Multi-policy

Erie

Policygenius rating 

Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.

Full orange starFull orange starFull orange starFull orange starHalf orange star

4.5

AM Best rating 

A.M. Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).

A+

Cost 

Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).

$

$

$

$

$

Why we chose it

Erie stands out thanks to its extremely competitive bundling rates, handful of insurance policies you can bundle together, and outstanding coverage perks. We also love Its auto insurance rate lock that lets you avoid premium rate hikes year after year.

Read our full review of Erie home insurance
Pros and cons

Pros

  • Very low rates for bundling home & auto insurance

  • Offers guaranteed replacement cost coverage for your home

  • Lets you lock in your auto insurance rate to avoid rate hikes year after year

Cons

  • Fewer home & auto insurance discounts than competitors

  • Above-average complaints for auto customers

More details

Home insurance discounts

  • Multi-policy

  • Protective devices

  • Advanced quote

Auto insurance discounts

  • Safe driver

  • Car safety equipment

  • Multi-car

  • Multi-policy

  • Reduced usage

  • Young driver

  • Annual payment plan

Farmers

Policygenius rating 

Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.

Full orange starFull orange starFull orange starFull orange starEmpty gray star

4.0

AM Best rating 

A.M. Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).

A

Cost 

Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).

$

$

$

$

$

Why we chose it

Farmers stands out thanks to its dozens of insurance discounts available, slew of insurance offerings you can bundle that go beyond just home and auto policies, and stellar customer complaint scores.

Read our full review of Farmers home insurance
Pros and cons

Pros

  • Offers 30+ home & auto insurance discounts to help you save even more

  • Can bundle homeowners, auto, life, umbrella, small business, and specialty insurance policies to save on premiums

  • Below-average customer complaints compared to competitors

Cons

  • Doesn’t offer gap insurance for auto customers

  • Financial strength ratings are lower than other companies on this list

More details

Home insurance discounts

  • Affinity

  • Multi-line

  • Electronic policy

  • UL-approved roof

  • New home

  • Protective devices

  • Home safety

  • Green certifications

  • Claims-free

  • Smart home

  • Rent-to-own

  • Preferred payment

  • Good payer

  • HOA gated community

Auto insurance discounts

  • Multi-line

  • Multi-car

  • Affinity

  • Electronic policy

  • Good payer

  • Safe driver

  • Distant student

  • Youthful driver

  • Good student

  • Shared family car

  • On your own

  • Mature driver

  • Homeowner

  • Alternative fuel

  • Monthly autopay

  • Pay in full

  • Anti-lock brakes

  • Anti-theft devices

  • Daytime running lights

  • Passive restraint

  • Homing device

  • VIN etching

Ready to bundle your home & auto insurance?

Get free quotes

The 10 best bundling discounts in our analysis

To nail down the best bundling discounts that translate into overall savings for policyholders, we analyzed rates from Quadrant Information Services for home and auto insurance when you bundle — and when you don’t. We then translated the difference into a percentage to determine how much you’re actually saving when you bundle.

  1. State Farm Average bundling savings: 26%

  2. Vermont Mutual Average bundling savings: 25%

  3. MAPFRE Insurance Average bundling savings: 23%

  4. Country Financial Average bundling savings: 21%

  5. Acuity Average bundling savings: 20%

  6. The Hartford/AARP Average bundling savings: 20%

  7. PEMCO Average bundling savings: 19%

  8. Farmers Average bundling savings: 18%

  9. Erie Average bundling savings: 18%

  10. American Family Average bundling savings: 18%

Values logo

Why bundling discounts on a carrier’s website can be misleading

Most insurance companies list their bundling discount (also called a multi-policy discount) on their website, but this can be misleading.

Why? Because if a company's policies are already more expensive than average, bigger discounts don't always mean paying less. A bundling discount of 30% doesn't mean as much if the base rate is 25% higher than its competitors.

Example of why bundling discounts can be misleading
QuoteCompany 1Company 2
Home insurance rate$2,500$2,000
Auto insurance rate$2,000$1,000
Bundling discount25%10%
Home & auto rate when you bundle$3,375$2,700

Say you receive quotes from two different insurance companies with annual home and auto insurance rates if you don't bundle, plus how much they'd offer you as a discount if you do.

Even though Company 1 offers a higher bundling discount, its base rates for home and auto insurance are higher. On the flip side, Company 2 offers a lower bundling discount, but its base rates are lower across the board.

In this example, the cheapest company to go with is Company 2, even though it has the lower bundling discount of the pair.

Cheapest home and auto insurance bundles

When analyzing the cheapest home and auto insurance bundles nationally, we discovered that many regional carriers that only work in one or two states often have the lowest rates.

That’s why we limited the companies we included in our list to those that work with shoppers in at least 25 states to ensure you’ll actually be able to find a carrier that writes policies where you live. 

With that in mind, American National offers the cheapest home and auto insurance bundle—with rates averaging $1,864 per year — followed by Erie and Selective Insurance.

Insurance company

Average bundling cost

Average savings

American National

$1,864

15%

Erie

$2,142

18%

Selective Insurance

$2,257

15%

State Farm

$2,341

26%

Auto-Owners Insurance

$2,405

12%

USAA

$2,434

6%

Cincinnati Insurance

$2,488

16%

American Family

$2,667

18%

Kemper

$2,691

10%

National General

$2,759

8%

When comparing these companies, keep in mind that price isn't the only factor to consider when choosing an insurance company to bundle your policies with. You'll also want to consider each carrier's customer service, ease of filing claims, and coverage options to ensure you've found the best company for all of your needs.

→ Learn more about the cheapest companies for bundling home and auto insurance

Cheapest home and auto insurance bundles by state

Here’s a look at the cheapest bundling rate in each state. State Farm was the cheapest company in 18 states, followed by USAA in eight states. 

Remember that your actual rate will vary depending on your ZIP code, claims history, credit score, coverage limits, and other factors.

State

Cheapest bundle

Average bundling cost

Alabama

USAA

$1,990

Alaska

State Farm

$1,829

Arizona

State Farm

$1,964

Arkansas

State Farm

$2,773

California

Mercury

$2,191

Colorado

State Farm

$2,980

Connecticut

USAA

$2,120

Delaware

State Farm

$1,598

Florida

State Farm

$3,100

Georgia

Auto-Owners

$2,001

Hawaii

Island Insurance

$1,532

Idaho

American National

$888

Illinois

State Farm

$1,859

Indiana

USAA

$1,969

Iowa

Pekin Insurance

$1,732

Kansas

Auto-Owners

$3,359

Kentucky

Cincinnati Insurance

$3,026

Louisiana

State Farm

$2,979

Maine

Auto-Owners

$1,222

Maryland

State Farm

$2,192

Massachusetts

Vermont Mutual

$1,811

Michigan

Auto-Owners

$1,905

Minnesota

North Star Mutual

$2,231

Mississippi

Nationwide

$2,014

Missouri

Nationwide

$2,146

Montana

USAA

$2,318

Nebraska

Farmers

$3,440

Nevada

State Farm

$1,837

New Hampshire

State Farm

$1,293

New Jersey

NJM

$1,820

New Mexico

State Farm

$2,145

New York

State Farm

$2,406

North Carolina

State Farm

$1,439

North Dakota

North Star Mutual

$2,127

Ohio

State Farm

$1,524

Oklahoma

AFR Insurance

$3,839

Oregon

State Farm

$1,349

Pennsylvania

State Farm

$1,547

Rhode Island

State Farm

$1,355

South Carolina

American National

$1,413

South Dakota

Farmers

$2,863

Tennessee

USAA

$2,331

Texas

Texas Farm Bureau

$1,646

Utah

Auto-Owners

$1,769

Vermont

Vermont Mutual

$1,226

Virginia

Virginia Farm Bureau

$1,641

Washington

PEMCO

$1,306

Washington, D.C.

USAA

$1,974

West Virginia

USAA

$1,809

Wisconsin

Rural Mutual

$1,614

Wyoming

USAA

$1,588

→ Find your average home insurance rate by ZIP code

30+ home insurance companies that offer bundling

Our editorial team rated 10 of the most popular insurance companies in the U.S. on their bundling packages. But those aren’t the only carriers that let you purchase both home and auto insurance together.

Here’s a look at even more home insurance companies that offer bundling:

  • AAA

  • AFR Insurance

  • AIG

  • Alfa Insurance

  • Allstate

  • American Family

  • American National

  • Amica

  • Arbella

  • ASI Progressive

  • Auto-Owners Insurance

  • Chubb

  • Cincinnati Insurance

  • Country Financial

  • Encompass

  • Erie

  • Esurance

  • Farmers

  • Foremost

  • Geico

  • Island Insurance

  • Kemper

  • Liberty Mutual

  • MAPFRE

  • Mercury

  • National General

  • Nationwide

  • NJM

  • North Star Mutual

  • Pekin

  • PEMCO

  • Plymouth Rock

  • Rural Mutual

  • Safeco

  • Selective Insurance

  • Sentry

  • State Auto

  • State Farm

  • Stillwater

  • Texas Farm Bureau

  • The Hartford/AARP

  • Travelers

  • UPC Insurance

  • USAA

  • Vermont Mutual

  • Westfield Insurance

Get your bundle quotes through Policygenius

Save

Save thousands on insurance premiums

The average Policygenius customer saves $1,250 per year over what they were paying for coverage when they bundle their home and auto insurance.

Policy

Get multiple bundling quotes in one place

Talk to one insurance broker to get connected to quotes from the top insurers in the country — all for free with no impact to your credit and no spam calls to worry about.

Time

Never fill out any insurance paperwork

Bundling through Policygenius means we'll do all the paperwork that comes with switching insurers — from purchasing your new policy to canceling your old ones.

Ready to bundle your home & auto insurance?

Get free quotes

What is the best home insurance company?

Allstate earned the top award as the Best Home Insurance Company Overall, but Auto-Owners, State Farm, Erie, and Farmers all made the list as well. That's because we understand that our top overall pick might not be best for every home or circumstance. As a result, our curated list of the Best Home Insurance Companies of 2022 includes the best option for high-risk homes, high-value homes, superior customer service, and more.

What is the best auto insurance company?

GEICO earned the top award as the Best Auto Insurance Company for Most People, but Auto-Owners, Erie, State Farm, and Allstate all made the list as well. That's because we know the best company for you might vary from your neighbor based on your driving record and priorities. In turn, our curated list of the Best Car Insurance Companies of 2022 includes top picks for good drivers, teens, drivers with a few tickets, military families, and more.

How to get the best home and car insurance quotes

To bundle your home and auto insurance, the easiest way to get started is by using an insurance marketplace like Policygenius — we'll do all of the work for you. 

Here's what you can expect during the bundling process and how to compare policies to find the best one for you:

Step 1: Answer a few questions about your home and auto coverage to get bundling quotes through Policygenius

Just answer a few questions about your home and vehicles you want to insure, and one of our licensed insurance agents will pull home and auto insurance bundle quotes from top companies for you to consider.

They'll also help you figure out if you need more or less coverage than you had with your last policies, and give you advice about any additional coverage you might want to consider. All for free, with no impact to your credit score.

Step 2: Compare rates, coverage options, customer satisfaction ratings, and financial stability scores

Comparing rates from multiple companies will help you ensure you’re getting the best coverage at the lowest price. But remember that the cost of your home and auto insurance bundle isn't the only thing to consider.

You’ll also want to compare customer satisfaction and financial stability ratings along with the price to make sure you're not sacrificing quality just to save a few bucks. 

You can use our Policygenius bundling ratings to help you compare your options. They take into account each company’s financial strength and stability, customer satisfaction scores, bundling rates and discounts available, and coverage options to give you a holistic view of each company’s strengths and weaknesses.

Make sure the insurer doesn't farm out policies to third parties

Some companies might offer the option to bundle your home and auto insurance, but then they'll turn around and farm out one of the policies to another company that will handle payments and claims. While you might still save money, it takes the convenience out of bundling policies with the same company. And you probably won't be able to pay just one deductible in the event your car and home are damaged in the same event.

Step 3: Sign your new policies and pay your first premiums

Once you’ve found a new company you want to bundle your home and auto insurance with, your Policygenius agent will fill out all of the paperwork you need to purchase the policies. All that you'll need to do is sign on the dotted line and pay your first premium. Then you can rest easy knowing you only have one insurance company to deal with should anything happen to your home or car.

Step 4: Last but not least, it’s time to cancel your old policies

Once you’ve purchased your new policies and have a set date for when it will go into effect, it’s time to cancel your old insurance policies. Our Policygenius agents will walk you through this entire process — and fill out all of the paperwork for you.

It's normally as simple as notifying your insurance company in writing that you'd like to cancel your policy and signing a cancellation letter. You might even get a refund for a portion of your premiums if you paid up front for the year.

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Is it always cheaper to bundle your home and auto insurance?

Not necessarily. Every insurance company weighs factors differently when determining the risk of coverage, meaning the rates your home and car qualify for won’t be the same across the board. This is why it pays to compare quotes through an insurance marketplace like Policygenius. Our team of licensed insurance agents will crunch the numbers to help you find the best coverage at the lowest rates — whether that means bundling your policies or not. 

Should you bundle your home and car insurance?

Bundling isn't for everyone — especially if you can get cheaper rates by sticking with two separate companies. Here's a handy guide to help you determine if it makes sense to bundle your policies together.

When you should bundle ...

  • You have a hard time remembering to pay your bills on time. Bundling can mean just one payment for all of your insurance policies.

  • You don’t qualify for many other discounts. Bundling can help you save up to 35% off your home and car insurance policies.

  • You live in a high-risk disaster area. Bundling means you’ll only pay one deductible if both your car and home are damaged in the same event.

When you should NOT bundle ...

  • You can get cheaper rates with separate companies. Re-shopping your policies once a year can help ensure you’re not missing out on similar coverage for a better price. 

  • Your insurance company farms specific policies out. Some insurers act as affiliates and farm policies out to other agencies, meaning you might not be dealing with one company and payment after all.

Ready to bundle your home & auto insurance?

Get free quotes

Frequently asked questions

What is insurance bundling?

Bundling insurance is when you buy home insurance and auto insurance policies from the same company. Besides the convenience of not having to jump between companies to find your policy information, most insurance carriers provide a discount for bundling policies.

What is the best home and auto insurance?

There is no one best home insurance and best auto insurance company — it all depends on what factors are most important to you. For example, someone who’s looking for bare bones coverage at the cheapest rates possible is going to have a different “best pick” than a person who cares the most about an easy claims filing process. The easiest way to find the best home and auto insurance company for you is to reach out to a Policygenius expert who can help you compare policies and rates from a number of companies.

Can you bundle renters and auto insurance?

Yes, many companies make it possible for you to bundle a renters insurance policy with your auto insurance policy. In general, you can bundle any property insurance policies together — like condo and auto insurance, or car, home and motorcycle insurance — as long as your insurance company offers them. Check with your provider to see which bundling options are available to you.

Can I set my policies to start at different times?

When you buy an insurance policy, you can choose the date on which you need coverage to start — even if you’re bundling multiple policies together. If you need your home insurance coverage to start next week but you won’t need your auto insurance coverage to start until the end of the month, just let your insurance agent know and they’ll make sure you get the correct start dates for each.

Can I file a single insurance claim for home and car damage?

No — if your home and car are damaged in the same event, you’ll have to file two separate insurance claims. But if you bundle your home and car insurance, you may only need to pay one deductible for the damage.

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Author

Senior Managing Editor & Home Insurance Expert

Jennifer Gimbel

Senior Managing Editor & Home Insurance Expert

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Jennifer Gimbel is a senior managing editor and home insurance expert at Policygenius, where she oversees our homeowners insurance coverage. Previously, she was the managing editor at Finder.com and a content strategist at Babble.com.

Editor

Managing Editor & Licensed Home Insurance Expert

Pat Howard

Managing Editor & Licensed Home Insurance Expert

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Pat Howard is a managing editor and licensed home insurance expert at Policygenius, where he specializes in homeowners insurance. His work and expertise has been featured in MarketWatch, Real Simple, Fox Business, VentureBeat, This Old House, Investopedia, Fatherly, Lifehacker, Better Homes & Garden, Property Casualty 360, and elsewhere.

Expert reviewer

Licensed Property & Casualty Insurance Expert

Fabio Faschi, PLCS, SBCS, CLCS

Licensed Property & Casualty Insurance Expert

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Fabio Faschi is a licensed property and casualty insurance agent. His expertise on home and auto insurance has been featured on Forbes, Consumer Affairs, Realtor.com, Apartment Therapy, SFGATE, Bankrate, and Lifehacker.

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