Is Bundling Home and Auto Insurance Really Worth It? Let’s Talk About It

Thinking About Bundling Your Insurance? Here’s What You Need to Know
If you’ve ever seen those ads promising big savings when you bundle your home and auto insurance, you’re probably wondering—is it actually worth it?

The short answer: it can be. Bundling can lead to real savings and fewer headaches when it comes to managing your policies. But like most things in life, it depends on your situation. Let’s take a look at what bundling really means, how much you can save, and when it makes sense (and when it doesn’t).

What Does It Mean to Bundle Insurance?
Bundling just means getting more than one policy—usually home and auto—from the same insurance company. Instead of juggling multiple providers, you keep everything under one roof.

In return, the company usually offers you a discount for being a loyal, multi-policy customer.

Simple, right?

So… How Much Can You Actually Save?
This varies by company, but most people can expect to save 10% to 25% on each policy. That could add up to hundreds of dollars a year, depending on your coverage.

And some companies sweeten the deal with extra perks, like:

• A single deductible if your home and car are damaged in the same event
• Loyalty rewards
• Easier claims process

Why Bundling Works for So Many People
Aside from the savings (which are always nice), there are some big practical upsides to bundling:

• Everything’s in one place. One company. One bill. One login.
• Fewer headaches when you need help. If something big happens—like a storm that damages both your car and your roof—you’re working with one company, not two.
• It’s just easier. Life is complicated enough. Bundling can simplify one small part of it.

When Bundling Makes Sense
Bundling is usually a great idea if:

• You’re happy with your insurer and their customer service
• You’re renewing or buying new policies and want to compare options
• You’re looking to simplify your insurance and save money at the same time

If you’re working with an independent insurance broker (like us), bundling becomes even easier. We can do the comparison shopping for you to find a bundle that works best.

But… Is There Ever a Reason Not to Bundle?
Honestly, yes. Bundling isn’t always the best deal for everyone. For example:

• You might get a better price by keeping your policies with two different companies
• One insurer might offer great auto coverage, but not-so-great homeowners coverage (or vice versa)
• If you need really specialized coverage—like for a high-end home or classic car—you might find better options by going separate

That’s why it’s always worth getting quotes both ways—bundled and unbundled—before you make a decision.

Tips for Getting the Best Deal
If you’re considering bundling, here are a few things to keep in mind:

1. Know what you’re currently paying and what’s included in your coverage.
2. Don’t assume a bundle is cheaper—ask to compare both options.
3. Use a broker. Seriously. We’ll help you shop around, compare bundles, and figure out what actually saves you money without cutting corners on coverage.

Let’s See If Bundling Works for You
At National Insurance Brokers, we’re all about making insurance simple and stress-free. If you’re thinking about bundling your home and auto policies—or just want to see if you’re missing out on some savings—we’d love to help.

We’ll compare your options, explain the pros and cons, and help you figure out what works best for your needs and your budget.

Get in touch today for a no-pressure review. Let’s make your insurance work better (and maybe cost less) for you.