How Bundling Home and Auto Insurance Can Save You Big

Together with partner Keith Signoriello, Ben Cavallo is the principal and co-owner of C&S Insurance, headquartered in Mansfield, Massachusetts.

When it comes to insurance, bundling home and auto insurance—purchasing multiple policies from the same company—is one of the smartest ways to save. With auto and home insurance premiums rising, bundling these two policies can lead to significant cost savings and added convenience.

At C&S Insurance, we’ve helped customers save up to 25% through bundling. But the benefits go beyond just savings—bundling also simplifies managing your insurance. About 8 in 10 American consumers choose to bundle their policies for the advantages they offer.

Let’s explore the pros and cons of bundling home and auto insurance. Looking for more ways to save? Contact an agent at C&S today.

What Is Bundling?

Bundling means purchasing multiple insurance policies, like home and auto, from the same provider. This is often referred to as a “multi-policy discount.”

Insurance companies encourage bundling to reward customer loyalty and reduce administrative costs. Because it helps them streamline operations and manage risk more efficiently, they offer discounts and other perks to customers who bundle.

Why Should I Bundle Home and Auto Insurance?

The primary reason to bundle your home and auto insurance is to save money. Bundling discounts typically range from 10% to 25%.

But there are other benefits, too:

  • Simplified management: With a single provider, your policies, bills, and documents are all in one place.
  • Streamlined communication: You’ll receive fewer emails and mailings, and you only need to manage one online account.
  • More comprehensive coverage: Bundling may help reduce gaps in coverage and speed up the claims process.
  • Extra perks: Some companies offer loyalty rewards, accident forgiveness, enhanced coverage options, or lower deductibles for bundled customers.

Are There Any Downsides?

While bundling is often a great choice, it’s still wise to compare your options.

Not every bundling discount is the best deal. In some cases, buying separate policies from different providers may give you better rates or customer service. That’s why it’s helpful to work with an independent insurance agent who can compare prices and coverage across multiple carriers.

How Do I Bundle Home and Auto Insurance?

It’s simple: when you get quotes and purchase two or more different policies from the same provider, you’ve bundled.

If the policies qualify, the bundling discount will apply automatically. Just be sure to speak with an agent to confirm eligibility, or to find the right policies that do qualify.

Can You Bundle More Than Just Home and Auto?

Absolutely! Many providers allow you to bundle additional policies like motorcycle, boat, renters, RV, and more. The discounts and benefits will vary depending on the insurer.

To learn more about bundling and find out how much you could save, contact an agent at C&S Insurance today.