Mandy Sleight

Last updated on Sep 21, 2022

Best Home and Auto Insurance Bundles of 2022

• Allstate: Best for Personalized Coverage
• Nationwide: Best for New Homes and Cars
• Progressive: Best for Multiple Products 
• State Farm: Best for Local Agents
• USAA: Best Military-Centric Options

According to our research, the best home and auto insurance bundles are from Allstate, Nationwide, Progressive, State Farm, and USAA. We compared dozens of carriers, analyzing their bundle discounts, available coverages, other discount opportunities, and third-party ratings for customer satisfaction and financial strength. Bundling home and auto can make it easier to keep track of insurance bills and policy management and save you money, as it is often one of the largest discounts insurance companies offer. The multi-policy discount can typically be bundled with other discounts, maximizing your savings on auto and home insurance.

Compare the Best Home and Auto Insurance Bundles

Reviews.com chose these carriers based on our research metrics. The carrier that is right for you may not be included on this list. Shopping around and comparing quotes can be a helpful strategy to find the best coverage for your needs.

*J.D. Power 2021 U.S. Auto Claims Satisfaction Study and 2022 U.S. Property Claims Satisfaction Study. 

**USAA is not officially ranked by J.D. Power due to eligibility restrictions.

The Best Home and Car Insurance Bundles

*J.D. Power 2021 U.S. Auto Claims Satisfaction Study and 2022 U.S. Property Claims Satisfaction Study. 

**USAA is not officially ranked by J.D. Power due to eligibility restrictions.

What Is Bundling Home and Auto Insurance?

Bundling home and auto insurance means to insure both policies with the same carrier. Most companies offer a multi-policy discount to insureds when they bundle. Although bundling can be more common for homeowners, many carriers also allow bundling for other home policies, like condo and renters insurance. Companies like State Farm also allow those with life insurance policies to save when they insure either their home or auto with the company. 

The bundle discount varies by carrier and policy type. For instance, Allstate insureds can save up to 25% when bundling home and auto together. USAA offers up to 10% savings when bundling auto with either home or renters insurance. Progressive states new customers could save over 20% when insuring both auto and home insurance. Insureds can determine which carrier offers the best bundle savings by getting several quotes to compare coverages and costs, including discount savings.

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. However, bundling insurance policies through your current or new provider is a straightforward process. Here is how you can bundle your policies:

1. If you have your home and car insurance policies with different companies, start by comparing your current coverage with those offered by the company you want to bundle insurance policies with.
2. Compare home and auto insurance bundle quotes from multiple providers to find out how much you are likely to save.
3. A licensed agent that works with your current insurer will walk you through the process of bundling house and car insurance policies.
4. If switching to a new carrier, make sure you cancel your old policies on the day your new policies are set to start so you avoid an overlap or lapse in coverage.

Bundling doesn’t mean you are buying one single policy for your auto and home insurance; instead, it just means you’re buying both policies from the same company. The shopping process is no different than if you were to shop your policies individually, except that you’ll need to remember to request the bundling or multi-policy discount on your quote.

Should I Bundle Home and Auto Insurance?

Combining your home and car insurance through the same provider often results in savings. Most large insurance companies that offer both auto and home insurance also offer a bundling discount. But it is important to weigh both the pros and cons of such an arrangement before you make the switch.

Pros

• Potential savings: Bundling discounts can often save you money on both your auto and home insurance policies.
• Easier policy management: If you buy all your policies with one carrier, it may be easier to make changes.
• Combined billing: You might be able to combine your auto and home bills into one if you bundle, depending on your company. However, if you pay your home insurance with your mortgage escrow account, this won’t be an option for you.

Cons

• Not offered by all carriers: Not all insurance companies sell both auto and home insurance, and not all companies that do sell both policies offer a bundling discount.
• Less flexibility: If you have very specific auto and home insurance needs, you might find it harder to find a single carrier that fits your circumstances for both policies.
• Rates will vary: Bundling can be a big discount, but it doesn’t automatically mean that you’ll pay the lowest price for your coverage. If you’re considering bundling, you might want to get quotes for bundled policies and shop your policies individually to see what option is best for your budget.

How to Get the Best Home and Car Insurance Bundle 

If you’re shopping for a home and auto bundle, you might want to consider taking the following steps to help you find the right option for your situation:

• Shopping around: Even if one carrier offers a higher discount for bundling, rates could be lower with another carrier. Shopping around can help you see your options so you know which best fits your needs.
• Comparing coverage options: When making a home and auto insurance bundle comparison, you might want to look at more than just discounts. You may also want to consider the coverage each carrier offers, other discounts, and third-party scores. This helps you get a more well-rounded view of a company.
• Comparing prices: After you have shortlisted a few companies and ensured that the coverage on each quote is similar as possible, check out the rates. If a company is offering you all the coverage you need at a lower rate than a competitor, it could be a better choice.
• Keeping your provider updated: Whether you add a new feature to your vehicle or upgrade your house, it’s a good idea to keep your insurance company informed. You may need to adjust your coverage or shop around for a carrier that better fits your changing needs.

Home and Auto Bundling FAQ

About the Authors

Mandy Sleight

Mandy Sleight is an insurance writer for Reviews.com. Over the last three years, she has covered insurance providers, coverage, costs of insurance, and more at MoneyGeek, Bankrate, and The Simple Dollar.

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