Save money by bundling home and auto insurance


Bundle your home and auto insurance

Bundling your home and auto insurance policies with one company can mean major savings. When you comparison shop with Policygenius, we help determine which company can offer you the largest savings.

Pat Howard 1600Stephanie Nieves author photo


Pat Howard

Pat Howard

Property and Casualty Insurance Expert

Pat Howard is a senior editor at Policygenius specializing in property and casualty insurance. His work has been featured on Property Casualty 360, Fatherly, MarketWatch, and more.


Stephanie Nieves

Stephanie Nieves

Property and Casualty Insurance Expert

Stephanie Nieves is an insurance editor at Policygenius in New York City, specializing in home and auto insurance. Her work has appeared in Business Insider, PayScale, Fairygodboss, and The Muse.

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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.

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Fabio Faschi, PLCS, SBCS, CLCS

Fabio Faschi, PLCS, SBCS, CLCS

Property & Casualty Insurance Expert

Fabio Faschi is a former property and casualty team lead at Policygenius. His expertise on home & auto insurance has been featured on Forbes, Consumer Affairs,, Apartment Therapy, The Simple Dollar, SFGATE, Bankrate, and Lifehacker.

Updated September 15, 2021|3 min read

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Bundling your home and auto insurance with one company is one of the easiest ways to save money on insurance — and Policygenius is here to make it even easier to compare policies and save. In fact, customers who reshopped with Policygenius saved an average of $1,250 a year over their existing policies.

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Our agents make it simple to compare coverage options from the top insurance companies and choose the right policy at the right price. Any questions about your coverage needs? Our Policygenius experts will make sure you’ve got the right amount of protection for your home and car. 

Key Takeaways

  • Bundling keeps all of your insurance coverage in one place, often with one monthly bill

  • If one event damages both your home and car, you may only have to pay a single deductible if your home and auto coverage are bundled

  • Bundling your home and car insurance policies can earn you major savings

  • Policygenius customers saved an average of 35% over their existing coverage when they reshopped their home and auto bundle

The best companies for bundling home and auto insurance

The best insurance bundle is the one that gets you the biggest discount with competitive rates for both policies — and not everyone will find their best rates with the same company. 

Our picks for the best companies for bundling home and auto offer serious savings and have high Policygenius scores (our ratings take things like overall price, coverage options and claims satisfaction into account). 

CompanyBundling discountPolicygenius rating (out of 5)
AllstateUp to 25%3.9
ChubbUp to 20%4
EncompassUp to 35%4.1
MercuryUp to 15%3.6
MetlifeUp to 22%3.2
NationwideUp to 20%3.8
Plymouth RockUp to 30%4
ProgressiveUp to 30%3.4
SafecoUp to 25%3.6
StillwaterUp to 35%3.8
TravelersUp to 20%3.8

Information provided to Policygenius by our partnering carriers

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

Benefits of bundling home and auto insurance

  1. Savings: Combining your insurance policies under one company can mean serious savings. Companies want you to keep all your policies in the same place, so they’ll offer big discounts for combining your home, auto, motorcycle, boat or RV insurance all in the same place.

  2. Claims filing: Bundling can also earn you coverage perks that can help you save on out-of-pocket expenses in the event of property damage, like only having to pay one deductible on covered losses to both your home and car. While the savings might not be noticeable right off the bat, this policy feature could pay big dividends if your home and car are ever damaged in the same disaster (like if a major windstorm knocks a tree onto your garage).

  3. Convenience: Along with the savings, bundling also makes managing policies easier, cuts down on paperwork, saves you time trying to remember log-in information and passwords, and reduces the inconvenience of having to communicate with multiple insurance companies when filing a claim or renewing your policy. Bundling also limits the hassle of having to pay multiple insurance bills with different providers, since you can usually combine your home and auto payments.

Who shouldn’t bundle?

Bundling is convenient and easy, but once in a while, having separate policies may be cheaper than combining them. If you're looking for the lowest rates, we suggest re-shopping your policies once a year to make sure you’re not missing out on similar coverage for a better price. You may find that a bundle is still your best bet, or you may discover that separate policies (even from separate companies!) is the better deal.

How to bundle your home and auto insurance

If you currently have home and auto insurance with two different companies, don’t worry, you can still bundle your policies. You can shop around to see if bundling with either of your current insurance companies is the best option vs. setting up a bundle with a brand new insurance company.

Step 1: Check your current coverage 

Most of the need-to-know information about your current home and auto policies will be in their respective declarations pages (often shortened to dec pages), which you should have gotten when you first set up the policies. If you don’t have your dec pages on hand, contact your insurance company.

The dec pages will include information that will make it easy to comparison shop home and auto insurance bundles, including:

  • Your annual premium

  • Coverage amounts for each section of your policy

  • Your deductible amount

  • The policy’s effective dates (when your coverage starts and ends)

Understanding basic details about each policy will help you make an apples-to-apples comparison so you can get the same (or better) coverage for a lower price.

Step 2: Shop and compare

Once you have a clear understanding of your coverage and how much you’re currently paying, it’s time to shop and compare. Some key points to remember in the home and auto insurance shopping process:

  • Bundling policies can mean big savings, so consider shopping for home and auto (or home and motorcycle, RV or boat insurance) at the same time

  • You should get quotes from at least three different companies — seeing multiple options will help you ensure you’re getting the best coverage at the lowest price

  • Be honest when answering questions about your home — if you don’t disclose a recent claim for roof damage or a trampoline in your backyard, you won’t get accurate quotes

A Policygenius agent can help you compare quotes from top companies and choose the best one for your budget. Our experts can 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.

Step 3: Cancel your old insurance

When you’re ready to cancel your policy and switch insurers, you should give your current company 30 days notice in writing. This gives you plenty of time to set up a home and auto insurance policy with your new insurance company, so you can avoid a lapse in coverage. This also clears up any confusion around your final date of your service. 

Canceling a policy, whether it’s bundled or not, is pretty straightforward. You can contact your insurer by phone or email to ask about the cancellation process, and they’ll let you know if you need to sign a cancellation letter. 

If you’ve prepaid your premiums, you may get a refund(excluding any fees). If you have a home and auto bundle with one company and you want to cancel just one of those policies, your insurer will work with you to adjust your policy, although you will lose any bundling discount. However you do it, just make sure that you’ve set your new policy to start on the same day your old policy ends.

Frequently Asked Questions

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 you bundle policies with GEICO?

Almost every major insurance company, including GEICO, State Farm, Progressive, Allstate and Liberty Mutual, all offer discounts for bundling home and auto insurance coverage together. But companies that don’t only offer one type of property insurance, like a company that only offers home, not auto insurance, can’t offer you a bundle.