If you’re looking to save on your monthly bills, bundle home and auto insurance for a better quote — it might be one of the easiest wins. Insurance companies often reward customers who purchase both auto and home insurance through them with a noticeable discount — sometimes up to 25% off.
But is bundling always the smart move? In this guide, we’ll break down the pros and cons of bundling home and auto insurance and help you decide if it really leads to a better quote in 2025.
What Is Insurance Bundling?
Bundling means purchasing multiple insurance policies — usually auto and home — from the same provider. You’ll typically manage both policies under one account and receive a multi-policy discount for doing so.
This approach offers convenience and potential savings, but it’s not always the cheapest option without comparing individual rates first.
Top Advantages of Bundling Home and Auto Insurance
- 💸 Save up to 25%: Many insurers offer discounts of 10%–25% when you bundle home and auto insurance
- 🧾 One bill, one login: Easier policy management and fewer payment due dates
- 📞 Better customer service: Some insurers offer dedicated support for bundled customers
- 🚗🏠 Unified deductible: Some companies allow one deductible if a claim involves both home and car (e.g., a fallen tree damaging both)
Potential Drawbacks of Bundling
- 📉 Not always the lowest total price: A company might offer a great auto rate but a pricey home policy — or vice versa
- 📦 Limited flexibility: Harder to switch one policy without affecting the other
- 🕵️ False sense of savings: The discount might not outweigh higher base premiums
Best Insurance Companies to Bundle Home and Auto Insurance in 2025
- State Farm: Industry-leading bundling discounts and strong customer service
- Progressive: Competitive rates and Snapshot® program for additional auto savings
- Allstate: Offers Claim Rateguard® and loyalty perks for bundlers
- Nationwide: Solid bundle pricing and SmartRide® usage-based savings
- USAA: Top choice for military families with exclusive rates and bundling benefits
Should You Bundle Home and Auto Insurance?
Bundling works best when both home and auto quotes are competitively priced — and when you value simplicity. To decide if it’s the right move:
- Get separate quotes for home and auto insurance from multiple providers
- Request bundled quotes from the same companies
- Compare total costs, not just the discount amount
- Consider customer reviews and service ratings
Final Thoughts
Bundle home and auto insurance for a better quote — it can lead to lower premiums and easier policy management. But before you commit, compare bundled and separate policies side by side.
What works for one household may not work for another. So quote, compare, and only bundle if it truly saves you money and hassle.
