Maximize Home and Auto Insurance Savings with Bundled Policies
Bundling your home and auto insurance under one carrier is one of the most reliable ways to cut your overall premium without trimming protection. You’ll typically unlock multi-policy discounts, align billing cycles, and streamline claims — all while keeping your coverage simple and consistent across both policies.
The biggest advantage is pricing power: when carriers write both lines, they reduce administrative overhead and pass a portion of those savings back to you. That means a lower combined rate today and steadier renewal pricing over time, especially if you maintain a clean record and a well-protected home.
Below, compare live bundle quotes by ZIP, see how location impacts pricing, and review which insurers tend to deliver the strongest bundle value. Use the quick tables to estimate savings and identify the levers you can control to push your total cost down even further.
Get Instant Bundle Quotes by ZIP Code
Enter your ZIP code below to pull live bundle quotes from leading insurers in your area. Compare rates side by side, lock in the best deal, and simplify your coverage today.
Auto Insurance Bundle Quote
See auto rates when bundled with home insurance.
Home Insurance Bundle Quote
Unlock home discounts when bundled with auto.
Why Bundling Pays Off
Most insurers provide 10–15% off when you combine home and auto, and some add loyalty perks like accident forgiveness or vanishing deductibles. Because both policies sit with the same carrier, service teams coordinate faster and billing becomes one streamlined due date.
Bundling can also stabilize renewals. If a weather event or market shift pushes one line up, the second line and your existing relationship may offset a portion of that increase. Carriers value multi-policy households and often price renewals more favorably to retain them.
Finally, claims logistics get simpler. If a single storm damages your roof and your car, you’ll often deal with one insurer and—depending on carrier rules—may even benefit from coordinated deductibles or expedited repairs through preferred networks.
At-a-Glance Savings: Sample Bundle Math
Use this snapshot to understand how a typical multi-policy discount affects a combined premium. Figures are illustrative; your exact rates will vary by ZIP, coverages, deductibles, and carrier underwriting. The goal is to compare the separate total to the bundled total and focus on levers that move the discount higher.
| Scenario (ZIP) | Auto Premium | Home Premium | Separate Total | Bundle Discount | Bundled Total | Annual Savings |
|---|---|---|---|---|---|---|
| Suburban, low claims | $1,150 | $1,050 | $2,200 | 12% | $1,936 | $264 |
| Coastal, wind/hail risk | $1,390 | $1,520 | $2,910 | 10% | $2,619 | $291 |
| Urban, higher theft | $1,620 | $1,280 | $2,900 | 15% | $2,465 | $435 |
For advanced tips on stacking discounts, check our Bundle Savings Strategies guide.
How ZIP Code Drives Your Bundle Rate
Insurers price bundles using local data: claim frequency, repair and labor costs, severe-weather patterns, fire protection class, even garage density. Two blocks apart can mean different scores and different pricing.
To see accurate numbers, compare by ZIP so underwriting rules and discounts match your neighborhood reality. Minor home updates (roof age, protective devices) and driving behaviors (mileage, violations) can shift results meaningfully in your favor.
Use our ZIP comparison tool to compare bundle rates by ZIP code and quickly spot carriers that price your area more competitively than the national average.
Top Bundle-Friendly Companies
Beyond the majors, regional insurers often beat national providers on bundle pricing — especially where they have dense networks of contractors and body shops. Explore our list of Top Bundle-Friendly Companies to uncover hidden savings.
Looking for budget bundles? Check our Affordable Bundle Insurance Options for coverage that fits tight budgets without sacrificing protection.
- Progressive Bundle Savings
- Farmers Home & Auto Package
- Liberty Mutual Multi-Policy Discounts
- Nationwide Multi-Policy Offers
Explore Other Providers
Don’t stop at the majors. Regional carriers often top national bundle deals. Check our top bundle insurers list to uncover hidden savings.
When you compare regional carriers, look beyond price: check financial strength, average claims turnaround, availability of local repair networks, and bundle-only perks (e.g., roof/impact-resistant credits, disappearing deductibles, accident forgiveness). A carrier that fits your ZIP’s risks and service footprint often beats a cheaper headline rate over the full policy term.
FAQ: Bundling Home & Auto
Bundling your homeowners and auto policies isn’t only about one-line savings on the bill. It unifies billing, streamlines claims (sometimes a single deductible if one event damages both house and car), and may unlock priority repairs or expedited roadside service. One insurer means fewer headaches and extra built-in value.
How much can I save by bundling?
Typically 10–15%, but some carriers offer up to 20% when you combine home and auto policies and meet protective-device or loyalty criteria.
Can I bundle different companies?
No — bundle discounts apply only when both policies are with the same insurer. However, you can still compare multiple carriers to see who prices your ZIP best.
Do bundle discounts stack?
Yes. You can combine multi-policy savings with safe-driver credits, paperless billing, and pay-in-full bonuses for maximum discounts.