The best home and auto insurance bundles to save money this winter come from State Farm, Allstate, Progressive and USAA. Bundling means buying home and auto coverage from the same insurer to earn a multi-policy discount. Savings depend on home type, auto policy and state rules. Compare the full bundled price against separate policies before you switch.
Table of Contents
- How much can homeowners save?
- What about renters and military families?
- Is a bundle always cheaper?
- How to compare bundles this winter?
How much can homeowners save?
State Farm advertises savings of up to $1,429 for combined auto and homeowners policies. Customers get one bill and one account login, as State Farm explains on State Farm's official bundling page.
Allstate advertises up to 20% off when customers hold two or more qualifying policies together. Progressive states that new customers who save by bundling home and auto save over 25% on average. Progressive also reports an average 5% multi-policy discount on auto in most states, detailed on Progressive's official bundling page.
What about renters and military families?
State Farm advertises up to $900 in savings for combining renters and auto insurance. It also advertises up to 17% off when adding home, renters, condo or life coverage to an auto policy.
USAA offers up to 10% savings when eligible members package homeowners or renters insurance with an auto policy. Limits vary by state and situation, as USAA describes on USAA's official bundle page. The discount generally requires an active auto policy within 60 days of the property policy and applies at renewal.
Is a bundle always cheaper?
The Insurance Information Institute recommends buying home and auto from the same insurer for a multi-policy discount. It cautions shoppers to compare the bundled total against separate policies.
A bundle is not automatically cheaper, as the Insurance Information Institute notes in Insurance Information Institute's homeowners savings guide. Ask for matching coverage limits and deductibles in each quote. A lower bundled premium helps only when protection stays equal.
How to compare bundles this winter?
Gather your current auto and home declarations. Request bundled totals with the same limits for each insurer. Ask for the bundled total in writing before you cancel old policies.
- Ask for the bundled total, not only the discount percent
- Check single-bill and single-login details
- Confirm start date and renewal timing
- Compare the bundled total side by side with separate policies
