
Should You Bundle Your Auto and Home Insurance? What to Know Before You Do

by Erin Anderson
Bundling your home and auto insurance might sound like a no-brainer — one company, one bill, and (usually) a nice discount. But like most things in insurance, the real answer is: it depends.
While bundling can definitely save you money and simplify your life, it’s not always the right move for every situation. Here’s what to weigh before you commit.
Yes, Bundling Can Save You Money — Sometimes a Lot
Most insurers offer a multi-policy discount if you bundle your home and auto insurance. Depending on your provider, the savings could range anywhere from 5% to 25% — which adds up, especially if both your home and car policies are on the pricier side.
Some companies also throw in perks, like a single deductible if both your home and car are damaged in the same event (like a storm or wildfire).
You’ll Probably Deal with Fewer Headaches
Beyond the savings, bundling can make things easier. One insurer means one point of contact, fewer logins to remember, and usually just one renewal date. If you ever need to file a claim involving both your house and car — say, a tree falls and damages both — having a single company can speed things up.
But Don’t Assume It’s Always the Best Deal
Here’s the catch: just because a company offers great homeowners insurance doesn't mean they’ll give you a competitive auto rate (or vice versa). In some cases, you might save more overall by picking two different insurers that specialize in each policy type.
Pro tip: Before bundling, get separate quotes from at least one or two other providers for comparison. The discount might not be worth it if either policy is overpriced to begin with.
Bundling Can Sometimes Lock You In
Some insurers make bundling attractive up front — but then raise your rates over time. And since your policies are tied together, switching one without the other can feel like a hassle.
Watch for rate creep during renewals. It’s smart to re-shop both policies every couple of years, even if you love the convenience of bundling.
Think About Your Claim History, Too
If you’ve had recent claims on either your home or auto policy, a bundle might actually work in your favor. Some insurers are more forgiving when they can see your full risk profile across both lines. Others, though, might penalize you by raising rates on both policies — even if you’ve only filed a claim on one.
The Bottom Line
Bundling can make your insurance life easier — and cheaper — but it’s not always the slam-dunk it sounds like. Make sure both policies are competitive on their own, and watch for creeping rates over time.
If it’s been more than a year or two since you compared quotes, now’s a smart time to recheck your options. Whether you bundle or not, a better rate or stronger coverage could be just a few clicks away.