💰 Bundling Savings
Average Bundle Discount
10-25%
on combined premiums
Typical Annual Savings
$500-800
per year
Best Companies for Bundling
| Company | Bundle Discount | NAIC Index | Notes |
|---|---|---|---|
| State Farm | ~23% | 0.79 | #1 home insurer, largest agent network |
| Allstate | Up to 25% | 1.10 | Extra perks like claim-free bonus |
| Progressive | ~7% | 0.71 | Home through partners, lower discount |
| GEICO | Varies | 0.69 | Home through partners |
| Farmers | Up to 20% | 0.86 | Strong in Western states |
| USAA | Up to 10% | 0.51 | Military only, best overall rates |
Should You Bundle?
✓ Reasons to Bundle
- Save money: 10-25% discount
- One company: Simpler to manage
- One deductible: Some insurers offer single deductible for claims affecting both
- Loyalty perks: Better treatment at renewal
✗ Reasons Not to Bundle
- Better deals separately: Sometimes mixing insurers wins
- Specialty needs: High-value home may need specialty carrier
- Location issues: Some insurers don't write home in your area
- Claims risk: One bad experience could affect both policies
💡 Pro tip: Always compare the bundled price against the best separate policies. Sometimes GEICO auto + Amica home beats a bundled offer, even without the discount.
FAQs
Can I bundle renters insurance instead of home?
Yes! Renters + auto bundles offer similar discounts (usually 5-15%). If you rent, bundling renters with auto is a great way to save.
What if I want to cancel one policy later?
You'll lose the bundle discount on the remaining policy. Some insurers will automatically adjust your premium; others require you to request re-quoting.
The Bottom Line
Bundling typically saves $500-800/year—but always compare. State Farm offers the most integrated bundle experience with ~23% discounts. Progressive and GEICO use partner companies for home, so their bundles are less seamless. If you're military, USAA is unbeatable.