Bundling Home and Auto Insurance: How to Save Up to $600/Year

Bundling home and auto insurance is the simplest way to save money without sacrificing coverage. Most families save 15-25% on combined premiums — often $400-600 annually. But bundling offers more than just savings. Here's how it works and whether it's right for you.

Bundling means purchasing multiple insurance policies from the same company. The most common bundle combines homeowners and auto insurance, but you can also add:

• •Renters insurance
• •Condo insurance
• •Life insurance
• •Umbrella liability policies

Each additional policy typically increases your multi-policy discount.

Savings vary by insurer and location, but typical discounts include:

**Home + Auto Bundle:** 15-25% combined discount — $400-600/year for average Alabama and Georgia families

**Adding Renters or Condo Insurance:** 5-10% additional discount on auto

**Adding Life Insurance:** 5-10% additional discount on package

**Example:**

• •Auto insurance: $1,400/year standalone
• •Home insurance: $1,600/year standalone
• •Total standalone: $3,000/year
• •Bundled with 20% discount: $2,400/year
• •Annual savings: $600

**Single Point of Contact:** One agency handles all your policies. One phone call answers any question. One team knows your entire insurance picture.

**Coordinated Coverage:** Bundled policies can work together. If a tree falls on your car in your driveway, claims coordination is smoother when one company handles both.

**One Renewal Date:** Many bundlers align renewal dates, making annual reviews simpler.

**Simplified Billing:** One bill, one payment, one date to remember.

**Loyalty Benefits:** Long-term bundled customers often receive additional discounts and forgiveness programs.

Best Candidates for Bundling:

• •Homeowners with vehicles
• •Renters who want simple coverage
• •Families with multiple cars and a home
• •Anyone who values convenience and simplicity

Bundling Works When:

• •The bundled price beats shopping separately
• •The insurer has strong claims service
• •Coverage options meet your needs
• •You're getting adequate coverage, not just cheap coverage

Bundling isn't always the best deal. Consider separate policies when:

**Significant Rate Differences Exist:** Sometimes one insurer offers dramatically better home rates while another beats their auto pricing. The spread may exceed bundle discounts.

**Specialty Needs Arise:** High-value homes, classic cars, or unusual risks may be better served by specialty insurers.

**Claims History Issues:** If you've filed claims with one policy type but not the other, bundling might increase the clean policy's rate.

**Always Run the Numbers:** Get bundled quotes AND separate quotes. The math tells the truth. But factor in convenience value — managing two companies has hidden costs too.

**Request a Quote:** Tell us what you need — auto, home, condo, renters, life. We'll build options.

**Review Your Options:** We show you bundled pricing versus separate pricing. You see exactly what you save.

**Get Covered:** Choose your bundle and coverage activates — often the same day.