Best Companies for Home and Auto Insurance Bundles (2025)
State Farm, Allstate, and Nationwide are the best insurers for home and auto insurance bundling.
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Bundling your home and auto insurance with the same insurance company can save you up to 25% on your policy, depending on the insurer. Not only does bundling save you money, but it also makes managing your insurance policies easier, as you only have to deal with one insurance company. Your insurer will also often combine your monthly premium into one payment.
Bundling discounts, also known as multi-policy discounts, aren’t all created equally. Some insurers stand out above others in how much bundling policies will save you, while others excel in how many types of insurance products and policies you can bundle.
Make sure to explore discounts from multiple insurers, and always compare quotes before buying a policy.
Best companies to bundle home and auto insurance
Insurify selected the five best insurance companies for bundling home and auto insurance. Check out the table below to see which ones lead the industry.
Best insurer for maximizing savings: State Farm
Best insurer for motorcycle riders: Allstate
Best insurer for boat owners: Nationwide
Best insurer for local service: Farmers
Best insurer for active military, veterans, and their family members: USAA
How to find the best home and auto insurance for you
Finding the best home and auto insurance can be a challenge. You want reliable insurance, but at the same time, you don’t want to pay an arm and a leg for it. Check out these tips for finding the best home and auto insurance:1
Consider your coverage needs. Think about what coverage you actually need, especially if you want to bundle your home and auto policies. Check insurance companies’ websites to see what coverages they offer.
Look at customer reviews. Always read customer reviews of an insurer before buying a policy. An insurer may have very cheap rates but terrible customer service, which may negate the cost savings. Check out sites like the Better Business Bureau, Trustpilot, and J.D. Power for customer satisfaction information.
Make sure the insurer has good financial strength. An insurer’s financial strength indicates how capable it is of paying out claims. Check AM Best for financial strength ratings — anything above an A is a good rating.
Compare quotes. Always compare insurance quotes from multiple insurers before buying a policy — this goes for both home and auto insurance. Each insurer determines premiums differently, so it’s worth comparing pricing from at least three.
Should you bundle your home and auto insurance?
There’s no right or wrong answer when it comes to whether you should bundle your insurance. It all depends on your situation and how much bundling would actually save you. But bundling home and auto insurance often saves people a good amount of money. If you’re not a homeowner, most insurers offer auto and renters insurance bundling, too.
Pros and cons of bundling
Bundling can save you money on your insurance policy, but you should check out these pros and cons before you decide whether it makes sense for you.