Auto + homeowners
The most common bundle and usually the largest discount, applied across the combined premium.
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Priced together and priced apart. One call tells you which is actually cheaper for your two policies.
Auto + Home Bundle line
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10–25%
Discount varies by carrier and state, and applies to the combined premium — not every policy.
Source: NerdWallet / CNBC Select, best home and auto bundles 2026. Verified 2026-08-03.
What is available
The main options an agent will talk through with you, and what each one actually does.
Auto + renters
Often overlooked. Renters coverage is inexpensive on its own and the multi-policy credit on the auto side can offset a meaningful part of it.
Auto + condo
Same mechanics as a homeowners bundle, applied to an HO-6 policy.
Multiple vehicles and drivers
Households with several cars and drivers usually see the largest absolute savings, because the discount applies to a bigger premium.
Know what to ask before you call
Bundling is worth it or it is not. That depends on your two policies. These questions settle it.
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Ask about
Alabama requires at least
$25,000 / $50,000 / $25,000
Source: Alabama Department of Insurance. This is a legal minimum, not a recommendation.
What do both policies cost together after the discount, compared with what I pay now?
A multi-policy discount is a percentage off one carrier’s rate. If that carrier is more expensive to start with, the discount can still leave you worse off. The comparison that matters is the combined total.
How do we handle the policy that is not due to renew yet?
Policies rarely renew in the same month. Ask what moving the out-of-cycle one early would involve and whether any unused premium comes back.
Is the discount applied to both policies or only one?
Carriers differ. Some credit the auto side, some the property side, some both, and the headline percentage does not tell you which.
Is the coverage actually the same as what I have now?
A cheaper combined bill for thinner coverage is not a saving. Compare limits, deductibles and exclusions line by line, not just the total.
Read these out if it helps. A licensed agent expects to be asked.
Ask them yourself
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What actually drives bundle savings
A bundle discount is a percentage off the combined premium. That means it interacts with everything else on both policies, which is why the arithmetic is worth checking rather than assuming.
The multi-policy credit itself
Commonly 10–25% depending on carrier and state. It is applied to both policies at most insurers, not just one.
A single deductible on some claims
Some carriers waive or combine deductibles when one event damages both your home and your car. Worth asking whether yours does.
Household claims history
Once both policies sit with one carrier, your combined claims record drives tier placement on both.
Consolidated billing
One bill, one renewal date, and usually a paid-in-full or autopay discount that applies to the whole thing.
When bundling does not win
If one carrier is priced badly for your ZIP code, your roof age, or your driving record, two separate policies can still beat the bundle. An honest agent will tell you that.
Get a straight answer in about ten minutes.
Talk to a licensed agent about auto + home bundle. No form, no cost, and no obligation to buy anything.
Auto + Home Bundle line
(888) 883-0806Calling costs nothing and there is no obligation to buy.
Not an insurer. We connect you with licensed agents.
Auto + Home Bundle questions
Short answers to what people ask before they dial.
How much does bundling save?
Carriers commonly advertise multi-policy discounts in the 10–25% range, and MoneyGeek's 2026 bundling analysis puts the average saving at about $542 a year. Both are averages: bundling is not cheapest for every household, and it depends on the carriers involved. Your number depends on your carriers, your state, and both policies.
Is bundling always cheaper?
No, and anyone who tells you otherwise is selling. A carrier can offer a large multi-policy discount off a high base rate and still lose to two separately shopped policies. It is worth checking both ways.
Can I bundle if the policies renew at different times?
Yes. Agents do this constantly — one policy is written to start at the other one’s renewal, or the terms are aligned. You do not have to wait for both to expire.
Do I lose anything by bundling?
You concentrate your risk with one company. If they raise rates or non-renew after a claim, it affects both policies at once. That is a real tradeoff, not a reason to avoid bundling.
Also worth asking about
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