Home and Auto Insurance Bundle Savings Calculator
About Bundling Discounts
Bundling your home and auto insurance with one carrier is one of the easiest ways to reduce insurance costs. Most major insurers offer multi-policy discounts ranging from 5% to 25%. Beyond savings, bundling simplifies your insurance management — one company, one renewal date, one point of contact for claims. However, the bundled rate isn't always the cheapest option. Compare bundled quotes against the best individual rates before making your decision.
Frequently Asked Questions
How much can I save by bundling?
Most insurers offer 5–25% discounts when you bundle home and auto policies. The average savings is around 15%, which can translate to hundreds of dollars annually.
Is bundling always the cheapest option?
Not always. Sometimes purchasing policies from different specialized carriers is cheaper even without a bundle discount. Always compare bundled vs. separate quotes from multiple insurers.
Can I bundle other types of insurance?
Yes. Many insurers offer multi-policy discounts for life, umbrella, boat, RV, and motorcycle policies bundled with home and auto insurance.
Does bundling affect my claims experience?
Having all policies with one insurer can simplify the claims process, especially in events that affect both your home and car simultaneously (e.g., a hailstorm).
What happens to my discount if I cancel one policy?
Canceling one policy in a bundle typically removes the multi-policy discount from your remaining policy, increasing your premium. Check with your insurer before making changes.
Results are estimates only. Actual bundle discounts vary by insurer, state, and individual policy details. Consult a licensed insurance professional for accurate quotes.