The Best Home and Auto Insurance Bundles of 2023

One of the best ways to save money on insurance is to bundle different policies together. While bundling home and auto insurance is one way to save money, not all insurers have the same offers or coverage. If you’re looking to bundle your home and auto insurance, compare your options with the best options available right now.

Best home and auto insurance bundles

*Discounts depend on individual factors. Your discount, in any, may vary.

Best for: most people

Allstate

‌Allstate is available in most states around the country for both home and auto insurance. They offer add-on coverage, like rideshare insurance, roadside coverage, identity protection plans, and more.

While All State plans tend to cost more, on average, compared to other companies, the discount from bundling can help bring costs down. Even though you can get an estimate online, you can only purchase a policy through an agent.

Best for: add-on options

Nationwide

The coverage from Nationwide includes options for uninsured motorists, and protection against damaged or stolen property. But they also offer nontraditional add-ons, like credit card coverage to protect users against fraud and scams. 

While not available in every state, Nationwide is offered in most states and was is the 10th-largest property insurer in 2022. 

Best for: extra discounts

State Farm

While you’re already getting some of the best coverage and costs available when you purchase a State Farm bundle, there are some extra discounts you might qualify for. 

For instance, you can get a discount for installing a home security device and if you go claims-free for a set amount of time, you can expect a deal for that as well.

Best for: eco-friendly customers

Travelers

While discounted bundles for Travelers may not be as high compared to other insurers, it offers some of the best eco-friendly options for shoppers.

You might see discounts for homes that use energy-efficient materials or those that have eco-friendly additions. Think of things like solar panels or an electric vehicle, for example. Environmentally friendly options can save you big on your home and auto insurance.

Best for: military members

USAA

Even though USAA is available throughout the country, it’s not available to everyone. USAA offers policies for existing members and you’ll need to be a member of the military or a relative of one to qualify.

But if you are eligible, you’ll see coverage for active-duty and deployed members and replacement cost for your personal items. You might not get as high of a discount with USAA compared to other companies, but military members get a discount, so it’s worth considering.

How to choose the right home and auto insurance bundle for you

The right bundle for you depends on a few different factors, including:

• Offers: It’s important to check if the insurer covers your area for both home and auto. Some companies might cover one and not the other. In some instances, you might not be covered for either. Check availability before getting a quote.
• Insurance options: Even though most companies have similar insurance coverage options, not all of them offer the same things. For instance, Travelers offers a few discounts for environmentally-conscious folks and Nationwide offers an add-on for credit card coverage.
• Deals and discounts: See which insurers offer the best deals and discounts that you qualify for. That could be going without a claim for a set amount of months or years, safe driver discount, or others alongside bundling.

When should you bundle your home and car insurance?

You might want to consider bundling your home and auto insurance if:

• You can pay less than you would if you were to have both types of insurance separately and with the same level of coverage you need.
• You have an offer available from an insurer that covers your area.
• You qualify and can compare other lenders who have similar offers.

You might want to skip bundling your car and home insurance if:

• You don’t meet the eligibility criteria.
• You don’t necessarily need all the coverage options available with bundling.
• You have specific coverage needs that aren’t in a bundling option.

How to bundle your auto and home insurance

Most companies let you build your home and auto insurance bundle when you sign up for a plan. In most circumstances, you’ll need to qualify for both types of insurance before bundling them for a discount. 

1. Review your coverage options. It’s important to determine what you want covered from both home and auto insurance before getting started. You can build out a policy and get a quote before signing up with one company or another and this step helps with figuring out what type of coverage you need.
2. Get a few quotes. Compare a few different offers from insurers that you’re eligible for and see which ones have the best offers. Consider things like how much coverage you’re getting, monthly premiums, easy access to info through a mobile app, customer service options, and anything else that’s important to you. Comparing quotes also means comparing holistic offers from all insurers you’re eligible for.
3. Choose an insurer. Once you’ve compared your quotes to see which one offers the best coverage at the best rate, complete your registration. Sometimes you’ll need to go through an agent to complete your insurance registration.
4. Cancel previous policies. Once you’ve registered with your new insurer, cancel your old policy. It’s a good idea to wait until you have new coverage before canceling your existing one, just so there isn’t a lapse in coverage.

Frequently asked questions (FAQs)

What is a home and auto insurance bundle?

A home and auto insurance bundle is when you have two insurance policies with one insurer to save the cost on two separate policies. Sometimes you can have two separate policies with the same insurer or different ones, depending on what each insurer offers. Bundling is an option some companies offer to get more of your business and incentivize you to switch so you can take advantage of a discount.

Who has the cheapest home and auto insurance bundle?

There’s no company that offers the cheapest bundle since everyone’s coverage, needs, and location are different. So even within the same company, you might be charged more based on where you live and what you need out of a policy compared to someone else. It’s important to compare insurers to make sure you’re getting the best deal before signing up.

What types of insurance policies can I bundle?

In most cases, you can bundle your primary home and car or the few cars you have and drive. But there are many different bundling options, depending on the insurer you choose, including:

• Recreational vehicles (RVs)
• Motorcycles
• Boats
• ATVs
• Second or vacation homes

What is the #1 auto insurance in the US?

The number 1 auto insurance company depends on where you live, the coverage offered, and a few other factors. According to JD Power, State Farm is number 1 for large auto insurers, followed by Liberty Mutual and then Nationwide.

Which home insurance company has the highest customer satisfaction?

JD Power breaks up ranking customer satisfaction into different geographical locations. For instance, in California, Wawanesa takes top honors while in Florida and the Southwest, State Farm is the winner. GEICO wins in New England.