Personal Insurance
Bundling — putting your home and auto insurance with the same carrier — is one of the most commonly recommended ways to lower your total insurance cost. Here's why it works and where it has limits.
Carriers want to keep more of your business, so they offer a lower combined rate to keep both policies rather than risk losing you to a competitor. It also reduces their cost of acquiring and servicing a customer, some of which gets passed back to you as a discount.
Bundling discounts commonly fall somewhere in the 10–20% range off your combined premium, though the exact number depends heavily on the carrier, your location, and your specific policies. The only way to know your real number is to actually compare bundled quotes side by side.
Having one carrier for both policies also simplifies your life — one login, one renewal date to track, and often one deductible if a single event (like a storm) damages both your home and vehicle.
Occasionally, a specific carrier has a great rate on auto but a mediocre rate on home (or vice versa), and splitting the two across separate carriers actually costs less overall than bundling with one. This is exactly why shopping with an independent agent matters — we can compare both scenarios instead of assuming bundling always wins.
We'll run both scenarios — bundled and separate — and show you which one actually saves you more.
Compare My Bundling Options