Best home and auto insurance bundles for 2022

Best home and auto insurance bundles for 2022

Pat Howard 1600

By

Pat Howard

Pat Howard

Senior Editor & Licensed Home Insurance Expert

Pat Howard is a senior editor and licensed home insurance agent 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 our editorial review process.

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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 April 28, 2022 | 6 min read

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

Article image

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

Pat Howard 1600

By

Pat Howard

Pat Howard

Senior Editor & Licensed Home Insurance Expert

Pat Howard is a senior editor and licensed home insurance agent 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 our editorial 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 April 28, 2022 | 6 min read

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

Most major insurance companies offer discounts if you bundle your home and auto insurance — sometimes up to 35% off your premiums. Along with increased savings, combining your home and auto insurance often means one monthly bill and less account logins to remember.

But choosing the best insurance company for bundling doesn't mean blindly choosing the cheapest option available — you'll also want to consider claims satisfaction, customer service, and coverage options available. That's why we recommend comparing bundling options from at least three insurance companies to ensure you've found the best company for all of your needs.

Why bundle home & auto insurance with us

We don't sell your information to third parties.

Policygenius has saved customers an average of $1,250 per year over what they were paying for home and auto insurance. Our licensed experts will find you the best combined coverage from one of the nation's top-rated carriers.

The best home and auto insurance bundles in 2022

To come up with our best home and auto bundles of 2022, we considered Policygenius ratings, discount amounts, and how each company suits various coverage needs. We found that the best home and auto bundle overall is Allstate, thanks to its robust auto and home coverage options, top-notch customer service, and intuitive mobile app that makes managing your policies with one touch a breeze.

  1. Best for overall quality: Allstate

  2. Best for bundling discounts: Encompass

  3. Best for most budgets: Travelers

  4. Best for working from home: Nationwide

  5. Best for bundling perks: Safeco

  6. Best for new customers: Progressive

Comparing the best home and auto bundles

Allstate earns the highest rating from the Policygenius editorial team thanks to its comprehensive and flexible coverage options, wide array of discounts, exceptional customer satisfaction ratings, and user-friendly digital tools. On the flip side, Progressive earns the lowest rating on this list — primarily due to the fact that it acts as an insurance broker and doesn't underwrite policies itself.

To determine these ratings, our editorial team of licensed insurance experts analyzed rates from actual Policygenius quotes, coverage options, customer satisfaction ratings from J.D. Power, complaint data from the National Association of Insurance Commissioners, financial strength ratings from A.M. Best, and more factors.

Use the table below to compare Policygenius ratings for each company to help you find the best home and auto insurance bundle for you.

CompanyPolicygenius ratingBest for
Allstate

4.6

Overall quality
Encompass

4.1

Bundling discounts
Travelers

3.9

Most budgets
Nationwide

3.8

Working from home
Safeco

3.6

Bundling perks
Progressive

3.5

New customers

Best overall bundle: Allstate

Allstate

4.6

Policygenius rating

How we score: Policygenius’ ratings are determined by our editorial team. Our methodology takes multiple factors into account, including pricing, financial ratings, quality of customer service, and other product-specific features.

Allstate logo

Best for overall quality

Allstate is the highest rated insurance bundle in our analysis thanks to its personalized home and auto coverage options, its dynamic and easy-to-use mobile app, and an array of additional discount options. Save up to 25% by bundling with Allstate.

Pros

  • Extensive discounts and robust coverage options

  • File and track claims online or through its mobile app

  • Available in all 50 states, plus Washington, D.C.

Cons

  • Rates are 35% higher than the national average — roughly $1,680 per year

Why you should bundle with Allstate

Allstate offers the best overall home and auto insurance bundle for those looking for a balance of reliable coverage and customer service, atypical coverage add-ons like new car replacement, and additional savings opportunities like its Drivewise program. Allstate also has an intuitive, easy-to-use mobile app and web portal where you can access both policies with a single login. This combination of quality, convenience, and savings (to the tune of 25% off) makes Allstate’s home and auto insurance bundle tough to top.

State availability

Available in all 50 states and Washington D.C.

How to get a quote

Online through Policygenius or Allstate 

Best for bundling discounts: Encompass

Encompass

4.1

Policygenius rating

How we score: Policygenius’ ratings are determined by our editorial team. Our methodology takes multiple factors into account, including pricing, financial ratings, quality of customer service, and other product-specific features.

Encompass logo

Best for bundling discounts

Encompass offers a whopping 30% off your home and auto insurance rates when you bundle — the largest discount of any company we looked at it. The downside is Encompass premiums are nearly twice the national average.

Pros

  • Score up to 30% off your premiums by bundling your home and auto insurance

  • Offers coverage add-ons for boats, home businesses, water backup, landscaping, mortgage rate protection, and more

  • Accepts homes with ALL dog breeds — rare for insurance companies

Cons

  • Rates are almost double the national average — roughly $2,420 per year

  • Not available in every state

Why you should bundle with Encompass

Encompass is a subsidiary of Allstate, so it’s no surprise that this home and auto upstart is one of our best bundles. Customers can save up to 30% off their total premium when they purchase their home and auto insurance as a single EncompassOne Policy — the company’s three-tiered bundling package. 

In addition to its personalized and comprehensive coverage options, Encompass also has multiple tools and resources that make it easier to use your insurance. Need a better way of tracking your personal possessions? Use Encompass’s intuitive home inventory tool. Don’t feel like waiting on the phone for an hour to file an auto insurance claim? Simply snap a few photos of your damaged vehicle and upload it via Encompass’s Claim Photo Express.   

State availability

Available in 36 states and Washington D.C. 

How to get a quote

Online through Policygenius or Encompass 

Best for most budgets: Travelers

Travelers

3.9

Policygenius rating

How we score: Policygenius’ ratings are determined by our editorial team. Our methodology takes multiple factors into account, including pricing, financial ratings, quality of customer service, and other product-specific features.

Travelers logo

Best for most budgets

Travelers shines thanks to its four comprehensive coverage packages and extra add-ons specifically for green homes. Save up to 13% off your auto insurance premiums by bundling with Travelers.

Pros

  • The most popular insurance company offered by Policygenius

  • Extensive and customizable coverage options

  • Affordable coverage

Cons

  • Subpar customer service and claims satisfaction ratings from J.D. Power

  • Not available in a handful of states

  • Won't insure vehicles older than 1950

Why you should bundle with Travelers

Travelers is the most popular insurance company offered by Policygenius, in large part due to its low average annual rates ($1,554 for home, $1,580 for auto), flexible coverage options, and willingness to insure most home types and risks. By bundling your home and auto insurance with Travelers, you can save up to 13% on auto insurance, and up to 12% on homeowners insurance. 

State availability

Available in 42 states and Washington D.C. 

How to get a quote

Online through Policygenius or Travelers

Best for working from home: Nationwide

Nationwide

3.8

Policygenius rating

How we score: Policygenius’ ratings are determined by our editorial team. Our methodology takes multiple factors into account, including pricing, financial ratings, quality of customer service, and other product-specific features.

Nationwide logo

Best for working from home

Nationwide offers flexible and affordable policies for every home type and income level. Save up to 20% when you bundle your home and auto insurance with Nationwide.

Pros

  • Personalized bundle packages for customers who work from home

  • Multiple discount options

  • Simple online application and claims process

Cons

  • Average claims satisfaction ratings

  • Not available in all 50 states

Why you should bundle with Nationwide

The last couple years changed how many of us use our homes and cars — as well as how often we use them — and as a result, our insurance needs changed. Nationwide’s “work from home insurance” is a suite of personalized coverages designed to accomodate the needs of the remote worker, including additional home office coverages, discount programs for driving less, and pet insurance. Additionally, you can save up to 20% off your total home and auto premium when you bundle these coverages. 

State availability

Available in 42 states and Washington D.C.

How to get a quote

Online through Policygenius or Nationwide

Best bundling perks: Safeco

Safeco

3.6

Policygenius rating

How we score: Policygenius’ ratings are determined by our editorial team. Our methodology takes multiple factors into account, including pricing, financial ratings, quality of customer service, and other product-specific features.

Safeco logo

Best for bundling perks

Safeco offers four comprehensive policy tiers, making it easy to find the right level of coverage for your home and car. Save up to 15% by bundling your home and auto insurance with Safeco.

Pros

  • Several bundling perks, like single loss claims and combined billing statements

  • 24/7 claims service

  • Ability to manage your policies and file claims via mobile app

Cons

  • Rates are 35% higher than the national average — roughly $1,683 per year

  • Subpar customer service ratings

Why you should bundle with Safeco

In addition to offering high-quality additional coverages like guaranteed replacement cost and accident forgiveness, Safeco is also one of the best in the business for bundling perks. The Seattle-based insurance company provides auto discounts of up to 15% when you bundle your home and auto policies as a Safeco Package. It also offers several perks and convenient policy options, including a single deductible on claims involving both your car and house, and the ability to choose between a six-month or annual auto policy.

State availability

Available in 42 states

How to get a quote

Online through Policygenius or Safeco

Best for new customers: Progressive

Progressive

3.5

Policygenius rating

How we score: Policygenius’ ratings are determined by our editorial team. Our methodology takes multiple factors into account, including pricing, financial ratings, quality of customer service, and other product-specific features.

Progressive logo

Best for new customers

While known for its auto insurance, Progressive has become one of the best home insurance companies on the market thanks to its array of affordable policy options. Save up to 15% off of your home and auto rates when you bundle with Progressive.

Pros

  • New Progressive customers can save up to 20% by bundling

  • Multiple additional home and auto coverage options

  • Several additional discount options

Cons

  • Policies are often through separate companies, so claims experience may vary

  • Certain perks — like single loss deductibles — only apply to specific bundles

Why you should bundle with Progressive

If you feel that you’re paying too much for home and auto insurance with your current provider and you’d like immediate savings, look no further than Progressive. The auto insurance mainstay also does homeowners insurance pretty well, and it offers plenty of ways to save on both — whether through bundling your policies or switching from a different insurer. New bundle customers can save up to 20% off their total premium, according to Progressive. 

State availability

Available in all 50 states and Washington D.C.

How to get a quote

Online through Policygenius or Progressive

The cheapest home and auto insurance bundles in 2022

Stillwater offers the cheapest home and auto insurance bundle — with rates averaging $1,806 per year and its bundling discount saving customers an average of $972 per year. Alternatively, MetLife has the most expensive home and auto bundle — with rates averaging $2,853 per year.

To determine these rates, our team of licensed insurance experts analyzed actual rates from Policygenius customers who've bundled their home and auto insurance policies and received a bundling discount.

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 right company for all of your needs.

Insurance companyHome and auto rate with bundling discountSavings with bundling discount
Stillwater$1,806$972
Progressive$2,028$869
Safeco$2,154$718
Travelers$2,189$556
Nationwide$2,341$585
Encompass$2,346$1,263
Mercury$2,648$467
MetLife$2,853$805

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

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. 

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How to compare home and auto bundle quotes online

Here are a few tips for comparing home and auto bundle quotes online to ensure you find the right company for you.

  • Use an insurance marketplace like Policygenius to get quotes. Simply answer a few questions online about the home and vehicles you’re looking to insure, and a licensed agent will compare quotes from different companies to find the best deal possible for you.

  • Check customer satisfaction ratings and reviews. When you're looking through quotes, the cost of your home insurance and auto insurance bundle isn't the only thing to consider. Ask a Policygenius agent to help you look up the customer satisfaction scores of each insurer to make sure you're not sacrificing good customer service for a few hundred bucks.

  • Ask if the insurer farms out either policy to a third-party affiliate. While you might still save money on rates, 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.

Insurance companies that bundle home and auto

You can start by comparing quotes from some of the following companies that allow you to bundle your home and auto policies together:

  • Allstate

  • American Family

  • Amica

  • Auto-Owners

  • Chubb

  • Encompass

  • Erie

  • Esurance

  • Farmers

  • Geico

  • Liberty Mutual

  • Nationwide

  • Plymouth Rock

  • Progressive

  • Safeco

  • State Auto

  • Stillwater

  • The Hartford/AARP

  • Travelers

  • USAA

3 benefits of bundling home and auto insurance

It pays to bundle your home and auto insurance thanks to lower rates, easier claims filing, and more convenience. Here are just a few benefits of bundling:

  • Save up to 35% off your premiums. To encourage customers to keep all their policies in the same place, insurers offer big discounts for combining your home, auto, motorcycle, boat or RV insurance with the same company.

  • Only pay one deductible. Bundling can also help you save on out-of-pocket expenses since you’ll often only have to pay one deductible if your home and car are damaged in the same disaster. 

  • Combine your home and auto payments. Bundling makes managing policies easier, reduces the inconvenience of having to communicate with multiple insurance companies when filing a claim or renewing your policy, and limits the hassle of having to pay multiple insurance bills since you can usually combine your home and auto payments together.

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.

Home and Auto

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.

Compare

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.

How to bundle your home and auto insurance

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

Here's what you can expect during the bundling process:

  1. Gather details about your current home and auto policies. This includes each policy's annual premium, coverage levels, deductible, and effective dates. You can find all of this info on each policy's declarations page. If you lost this or can't seem to find it, your insurance company can give you a copy.

  2. Get quotes online through Policygenius. Just answer a few questions about the home and vehicles you want to ensure, and one of our licensed insurance agents will pull 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.

  3. Compare quotes from at least 3 different companies. Checking rates from multiple companies will help you ensure you’re getting the best coverage at the lowest price. Don't forget to look at customer satisfaction ratings along with the price to make sure you're not sacrificing quality just to save a few bucks.

  4. Cancel your old insurance policies. Once again, 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. It's a good idea to give each insurer 30 days notices to avoid a lapse in coverage and give you time to set up your new policies. You might even get a refund for a portion of your premiums if you paid up front for the year.

  5. Sign your new policies and pay your first premiums. Once you've chosen the company you'd like 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.

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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 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 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.

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.

Methodology: How we chose the best home and auto insurance bundles with cheap rates

To calculate the rates for the best home and auto insurance bundles, we analyzed data from Policygenius quotes for a home with a replacement cost of $300,000 and a deductible of $1,000. 

For auto insurance rates, we based the numbers on the National Association of Insurance Commissioners’ 2018 national average of $1,190. 

We then factored in each insurance company’s discount for bundling home and auto insurance policies together to determine the average rate and savings for each.