Key Takeaways on Best Home and Auto Insurance Bundles
- Most insurance providers offer discounts when you bundle home and auto insurance.
- The top five companies for bundling in 2025 include Allstate, Farmers, Nationwide, State Farm, and Travelers.
- Bundling discounts typically range around 20%, with some providers offering up to 25% in savings.
If you’re looking to save on insurance costs, bundling your home and auto insurance bundle with the same carrier can lead to significant discounts. Many insurance companies reward customers who purchase multiple policy types from them, offering reduced rates and added convenience. While these policies remain separate, the discount applies across both, helping you cut costs. Below, we break down the best home and auto insurance bundles available in the U.S. for 2025 and how you can maximize savings on your policies.
Best Home and Auto Insurance Bundles
Many of the top property and casualty insurers offer bundling discounts, but the amount you save and the eligibility criteria can vary. By analyzing the largest U.S. insurers based on customer satisfaction, coverage options, and available discounts, we’ve identified the top five insurance providers for bundling home and auto coverage:
| Company | Average Annual Auto Premium | Average Annual Home Premium (for $300K dwelling) | Bundling Discount Potential |
|---|---|---|---|
| Allstate | $2,892 | $1,959 | Up to 25% |
| Farmers | $3,184 | $2,500 | Around 20% |
| Nationwide | $3,184 | $1,681 | Up to 20% |
| State Farm | $2,624 | $1,854 | Up to $1,273 |
| Travelers | $1,895 | $2,325 | Variable |
1. Allstate – Best Overall for Bundling
Bundling Discount: Up to 25% Allstate consistently ranks among the best home and auto insurance bundle providers, offering savings up to 25%. The company is widely available across the U.S. and provides a range of policy endorsements, including home-sharing coverage and green improvement reimbursement.
Pros:
- Home and auto coverage available nationwide (except new home policies in CA).
- Strong bundling discount potential.
- RateGuard endorsement and claims-free discounts available.
Cons:
- Higher-than-average home and auto premiums.
- Below-average customer satisfaction for claims processing.
2. Farmers – Best for Personalized Discounts
Bundling Discount: Around 20% Farmers Insurance is a solid choice for those seeking personalized service through local agents. The company offers a wide range of home and auto insurance discounts in addition to bundling options.
Pros:
- Local agent support for personalized service.
- Multiple discount opportunities.
Cons:
- Limited availability in some states.
- Lower-than-average J.D. Power satisfaction scores.
3. Nationwide – Best Budget-Friendly Option
Bundling Discount: Up to 20% Nationwide is known for competitive pricing, earning it recognition as one of the best budget home insurers in 2025. It offers substantial bundling discounts and strong financial stability ratings.
Pros:
- Offers local agents for personalized service.
- Strong financial strength rating (A+ from AM Best).
Cons:
- Not available in some states, including Alaska, Florida, and Hawaii.
- Below-average auto claims satisfaction ratings.
4. State Farm – Best for Customer Service
Bundling Discount: Up to $1,273/year State Farm is the largest insurer in the U.S. and offers highly competitive bundling savings. It’s known for excellent customer service and a strong network of local agents.
Pros:
- Extensive network of exclusive local agents.
- High customer satisfaction ratings.
- Strong financial stability (A++ AM Best rating).
Cons:
- No gap insurance available.
- Not available in Massachusetts and Rhode Island.
5. Travelers – Best for Unique Coverage Options
Bundling Discount: Variable Travelers provides customizable bundling options with multiple endorsements, making it a good choice for those with unique coverage needs.
Pros:
- Multiple policy endorsements available.
- Offers discounts for bundling home and auto coverage.
Cons:
- Below-average claims satisfaction ratings.
- Coverage not available nationwide.
How Does a Home and Auto Insurance Bundle Work?
When you bundle home and auto insurance, you purchase both policies from the same provider, earning a discount on each. While bundling doesn’t mean your home and auto policies are combined into one, it does streamline billing and policy management.
Benefits of Bundling:
- Savings: Most providers offer significant multi-policy discounts.
- Simplified Policy Management: Easier billing and customer service with one insurer.
- Single Deductible Option: Some insurers offer a single deductible if one event damages both your home and car.
Drawbacks of Bundling:
- May Not Offer the Lowest Price: Bundled policies aren’t always cheaper than separate policies from different insurers.
- Limited Availability: Some insurers don’t offer both auto and home insurance.
- Third-Party Home Policies: Some “bundles” are actually partnerships with a third-party insurer, making policy management more complex.
How to Find the Right Home and Auto Insurance Bundle
Steps to Bundle Your Policies:
- Decide What You Need: Determine the coverage features that matter most.
- Get Multiple Quotes: Compare rates from different insurers to find the best deal.
- Review Coverage Details: Ensure coverage levels and endorsements align with your needs.
- Purchase Your Policies: Once you’ve selected an insurer, start your home and auto policies.
- Cancel Old Policies: Avoid coverage gaps by ensuring the new policies are active before canceling previous ones.
Tips to Maximize Savings When Bundling
- Compare quotes from multiple providers to find the best rate.
- Look for additional discounts, such as safe driver or loyalty discounts.
- Review your policies after major life changes, like buying a new home or getting married.
- Improve your credit score to lower your premiums where applicable.
Is Bundling Right for You?
If you own both a car and a home, a home and auto insurance bundle can be a smart financial decision. While the discounts are significant, it’s crucial to compare rates to ensure you’re getting the best deal. By shopping around and considering factors like customer satisfaction, coverage options, and digital tools, you can find the best bundle for your needs in 2025.
Frequently Asked Questions
1. What companies offer the best home and auto insurance bundles?
Top providers include Allstate, Farmers, Nationwide, State Farm, and Travelers.
2. Can I bundle other policies with home and auto insurance?
Yes, many insurers allow bundling with RV, motorcycle, boat, and renters insurance.
3. Is bundling always the cheapest option?
Not necessarily. While bundling discounts can be high, you should still compare individual policy rates to ensure you’re getting the best overall deal.
By following these tips and understanding your options, you can make an informed choice and maximize your savings with the best home and auto insurance bundle in 2025.
Want to know more about other insurances, Read our latest articles.
