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The Best Companies for Bundling Home and Auto Insurance

Savings can be big, but we recommend bundling with care ​
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    • USAA is Reviews.com’s best home and auto insurance bundle of 2021 earning a 4.8 out of 5 based on customer satisfaction, coverage, and more.
    • Drivers can save up to 10%-25% on their premiums by bundling policies with the same insurance company.
    • The best home and car insurance companies have high customer satisfaction and strong financial stability ratings from third-party systems. 

    Best Home and Auto Insurance Bundles of 2021

    • State Farm: Best Home and Auto Insurance for Discounts
    • USAA: Best Home and Car Insurance for Military Members
    • Progressive: Best Home and Auto Insurance for Additional Coverage
    • Allstate: Best Home and Car Insurance for Low Deductibles
    • Nationwide: Best Insurance for New Homes and Cars
    • Liberty Mutual: Best Home and Car Insurance for New Customers

    Most people need some type of insurance, and property and car insurance go hand-in-hand. Whether you’re a homeowner or a renter, insurance steps in during events such as fires, burglaries, or weather disasters that may destroy your belongings or residence. Furthermore, auto insurance policies are required in order to drive in most states, plus enough car coverage ensures that you won’t suffer a personal finance apocalypse if your vehicle is totaled in an incident.

    Many people don’t realize that bundling home and auto insurance, or renters insurance and an auto insurance policy, could save them money on both policies. The question is, which are the best insurance companies for home and auto bundles? After all, one carrier may not necessarily excel in the two different types of policies or offer the best bundling options. Additionally, tenants that are required to have renters insurance generally benefit from bundling auto and renters insurance together to get lower premiums. We’ve analyzed over a dozen insurance companies using our in-house methodology to review the best home and auto insurance bundles of 2021.

    Compare the Best Home and Auto Insurance Bundles

    Reviews.com Score Score is based on company’s customer experience, financial stability, and coverage options. Bundling Discount J.D. Power Customer Satisfaction* J.D. Power scores are based on surveys for customer satisfaction and product quality. AM Best AM Best rates insurance providers creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim.
    Pin State Farm4.4Up to $854824A++
    Pin USAA4.8Up to 10%884A++
    Pin Progressive4.412%830A+
    Pin Allstate4.2Up to 25%825A+
    Pin Nationwide4Up to 20%803A+
    Pin Liberty Mutual4.4Up to $842**827A

    Information accurate as of July 2021

    *J.D. Power 2021 U.S. Auto Insurance Satisfaction Study average rating across all regions. Based on a 1,000-point scale.

    **Savings validated by new customers who switched to Liberty Mutual 1/2020-10/2020.

    The Best Home and Car Insurance Bundles, Reviewed

    State Farm

    Best for Discounts

    Why we chose it

    With a wide selection of coverage and discounts, State Farm fulfils all insurance needs under one roof — whether its a sunroof or a tile roof.
    • 4.4 Reviews Score Score is based on company’s customer experience, financial stability, and coverage options.
    • 824* J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.
    • A++ AM Best Rate AM Best rates insurance providers creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim.

    Why we chose it

    With a wide selection of coverage and discounts, State Farm fulfils all insurance needs under one roof — whether its a sunroof or a tile roof.

    Pros

    • Several home and car insurance discounts
    • Nationwide availability
    • Over 19,000 local agents
    • Robust website

    Cons

    • Higher than average rates without discounts
    • More than the average customer complaints
    Read More

    Additional Car Insurance Coverage

    • Rental expenses coverage
    • Rideshare coverage
    • Roadside assistance
    • Replacement cost

    Available Discounts

    • Safe driver
    • Good driver
    • Safe home
    • Multi policy
    • Multi vehicle
    • Claims free

    More State Farm Insurance Reviews

    USAA

    Best for Military Members

    Why we chose it

    Although available only to retired or active military members and their families, USAA has some of the best rates, coverage options, and customer service scores for drivers and homeowners who qualify.
    • 4.8 Reviews Score Score is based on company’s customer experience, financial stability, and coverage options.
    • 884* J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.
    • A++ AM Best Rate AM Best rates insurance providers creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim.

    Why we chose it

    Although available only to retired or active military members and their families, USAA has some of the best rates, coverage options, and customer service scores for drivers and homeowners who qualify.

    Pros

    • Superior customer satisfaction
    • Strong financial stability ratings
    • Plenty of discounts

    Cons

    • Exclusive to military members and their families
    • Limited coverage add-ons compared to competitors
    Read More

    Additional Car Insurance Coverage

    • Roadside assistance
    • Rental reimbursement
    • Water backup
    • Home protector
    • Wildlife defense

    Available Discounts

    • Accident forgiveness
    • Family discounts
    • Military deployment
    • Claims free

    More USAA Insurance Reviews

    Progressive

    Best for Additional Coverage

    Why we chose it

    Regardless of how your needs change over time, rest assured that Progressive’s flexibility will allow you to customize your policies.
    • 4.4 Reviews Score Score is based on company’s customer experience, financial stability, and coverage options.
    • 830* J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.
    • A+ AM Best Rate AM Best rates insurance providers creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim.

    Why we chose it

    Regardless of how your needs change over time, rest assured that Progressive’s flexibility will allow you to customize your policies.

    Pros

    • Several customization options
    • Advanced online tools
    • Ease of switching between policies

    Cons

    • Third parties often underwrite policies
    • Average customer satisfaction
    • May need access to your credit history
    Read More

    Additional Coverage

    • Classic car
    • Roadside assistance
    • GAP insurance
    • Home share
    • Home warranty

    Available Discounts

    • Safe driver
    • Student driver
    • Loyalty discount
    • New home
    • Pay in full
    • Continuous insurance
    • Homeowner
    • Multi-car
    • Multi-policy

    More Progressive Insurance Reviews

    Allstate

    Best for Low Deductibles

    Why we chose it

    Allstate offers options for homeowners and drivers to save on their insurance costs every year, including claims-free home insurance deductible reductions, accident forgiveness, and safe driving awards.
    • 4.2 Reviews Score Score is based on company’s customer experience, financial stability, and coverage options.
    • 825* J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.
    • A+ AM Best Rate AM Best rates insurance providers creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim.

    Why we chose it

    Allstate offers options for homeowners and drivers to save on their insurance costs every year, including claims-free home insurance deductible reductions, accident forgiveness, and safe driving awards.

    Pros

    • Large number of local agents
    • Unique coverage options
    • No third-party underwritten policies

    Cons

    • High number of complaints
    • Only six-month auto insurance policy terms
    Read More

    Additional Coverage

    • Water backup
    • Identity theft protection
    • Home share coverage for hosts
    • Roadside assistance

    Available Discounts

    • Safe driving
    • Annual premium
    • Claims free
    • Responsible payer
    • Multi-policy
    • Early signing

    More Allstate Insurance Reviews

    Nationwide

    Best for New Homes and Cars

    Why we chose it

    If both your vehicle and your home are brand new, Nationwide offers a bevy of discounts and coverage options that protect both investments while saving money on insurance costs.
    • 4 Reviews Score Score is based on company’s customer experience, financial stability, and coverage options.
    • A+ J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.
    • 803* AM Best Rate AM Best rates insurance providers creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim.

    Why we chose it

    If both your vehicle and your home are brand new, Nationwide offers a bevy of discounts and coverage options that protect both investments while saving money on insurance costs.

    Pros

    • Broad range of add-on coverages
    • Flood insurance available
    • Fewer than average complaints

    Cons

    • Low customer satisfaction scores
    • Only six-month terms for auto insurance policies available
    Read More

    Additional Coverage

    • GAP insurance
    • Towing and labor coverage
    • Identity theft protection
    • Extended replacement cost
    • Water backup

    Available Discounts

    • Multi-policy
    • Accident free
    • Safe driver
    • New home
    • Claims free
    • Gated community

    More Nationwide Insurance Reviews

    Liberty Mutual

    Best for New Customers

    Why we chose it

    Liberty Mutual advertises that new customers who switch and bundle home and auto insurance can save $947 on home and auto insurance each year, a boon for drivers and homeowners who are already looking to change insurance carriers.
    • 4.4 Reviews Score Score is based on company’s customer experience, financial stability, and coverage options.
    • 827* J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.
    • A AM Best Rate AM Best rates insurance providers creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim.

    Why we chose it

    Liberty Mutual advertises that new customers who switch and bundle home and auto insurance can save $947 on home and auto insurance each year, a boon for drivers and homeowners who are already looking to change insurance carriers.

    Pros

    • Good discounts for a variety of drivers
    • Great customer experience
    • Comprehensive coverage options

    Cons

    • Poorly rated claims handling
    • Higher-than-average car insurance premiums
    Read More

    Additional Coverage

    • Personal injury protection
    • Deductible fund
    • New car replacement coverage
    • Rental car reimbursement
    • Roadside assistance
    • Gap insurance

    Available Discounts

    • Homeowner
    • Military
    • Advanced safety features
    • Alternative energy discount
    • Accident-free
    • Violation-free
    • RightTrack program

    More Liberty Mutual Insurance Reviews

    *J.D. Power 2021 Auto Insurance Satisfaction average rating across all regions. Based on a 1,000-point scale.

    What Is Bundling Home and Auto Insurance?

    The combined cost of home and car insurance can be heavy on the wallet. But when you own vehicles as well as a house, one of the best ways to save on insurance premiums is by taking advantage of multi-policy discounts, also known as home and auto insurance bundles.

    State Farm claims that by bundling insurance policies with it, customers can save up to $854 a year. Additionally, Nationwide and Allstate offer a multi-policy discount of up to 20% and 25%, respectively, to customers who bundle their home and auto insurance policies with them.

    Although bundling renters and auto insurance doesn’t yield as much of a discount, companies like Progressive offer 3% on car insurance premiums when bundling auto and renters insurance. However, renters insurance is much less expensive than homeowners insurance, averaging $179 a year, or $15 a month. Despite this, bundling renters and auto insurance is still an easy way to save on monthly car and renters insurance premiums.

    How to Bundle Your Home and Auto Insurance

    If you have never tried bundling insurance policies in the past, you may imagine the process to be complicated. On the contrary, combining the two policies through your current insurance provider or a new company is a straightforward process.

    1. If you have your home and car insurance policies with different companies, start by comparing your current coverages with those offered by the company you want to bundle insurance policies with.
    2. Compare home and auto insurance bundle quotes from three or more providers to find out how much you are likely to save.
    3. A representative or agent with your current insurer will walk you through the process of bundling house and car insurance policies.
    4. If switching to a new carrier, buy a home and auto insurance bundle with the new carrier before canceling the home and/or auto policy with the former company. You can provide your current insurer with a 30-day notice to avoid lapses in your policy.

    Should I Bundle Home and Auto Insurance?

    Combining your home and car insurance through the same provider is typically known to result in savings. All large insurance companies offer a bundling option to customers. But it is important to weigh both the pros and cons of such an arrangement before you make the switch.

    Not only are people who bundle home and car insurance likely to get 10%–20% multi-policy discounts off their insurance costs but they can also enjoy the convenience of managing policies, filing claims, and contacting customer service in one online portal or mobile app.

    However, even after finding the best home and auto insurance bundle quotes and signing a bundle insurance policy, it makes it difficult to shop around for a new policy. You may be more hesitant to switch carriers when enjoying the convenience of managing both insurance policies with one carrier.

    How to Get the Best Home and Car Insurance Bundle 

    • Compare coverages: When making a home and auto insurance bundle comparison, do not just look at the discounts — also consider the coverage you currently have and what more you would prefer. This will make sure you do not lose out on the protection you need in an attempt to lower your insurance premiums.
    • Compare prices: After you have shortlisted a few companies, compare the discounts offered by each of them and the amount you are expected to save every year. If keeping policies separate is a less expensive option, then you are better off not bundling your home and auto insurance.
    • Shop around: Regardless of the discount you get by bundling policies, do not forget to shop around every year for cheaper home and auto insurance. Since insurance prices keep changing frequently, you might find a better deal elsewhere.
    • Keep your provider updated: Whether you add a new feature to your vehicle or upgrade your house, always keep your insurance company informed. Sometimes little additions can get you extra price cuts on your policies.

    Home and Auto Bundling FAQ

    Methodology 

    We evaluated car insurance companies based on discounts, coverage, online resources, financial strength, and customer satisfaction to determine Reviews.com scores and create our best car insurance reviews. To compare car insurance companies with other providers across the board, we calculate each Reviews.com score based on the following:

    • Discounts: Auto insurance companies that advertised more discounts received higher scores in our methodology.
    • Financial Stability: Reviews.com utilized AM Best ratings to assign a score based on each car insurance company’s financial stability.
    • Customer Satisfaction: J.D. Power ranks car insurance companies by customer satisfaction, so we used its 2021 Auto Insurance Satisfaction Study to compare the average rating of insurers across all regions.
    • Coverage: Car insurance companies were awarded higher scores for advertised coverages beyond the body liability, property liability, collision, and personal injury protection.
    • Online Resources: We reviewed the digital resources of each car insurance company and awarded higher scores to insurers with mobile claim estimates, digital insurance cards, and more.

    About the Authors

    Cynthia Widmayer Contributing Writer

    Cynthia Widmayer is an insurance and personal finance writer featured in The Simple Dollar, Bankrate, and Coverage.com among others. She holds a master’s degree in journalism from the University of London.

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