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7 Power Moves to Bundle Home Insurance & Slash Costs in 2025

7 Power Moves to Bundle Home Insurance & Slash Costs in 2025

Published:
2025-06-18 06:00:35
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7 Powerful Strategies to Bundle Your Home Insurance and Save Big in 2025

Homeowners bleed cash on insurance—while insurers post record profits. Time to flip the script.

Here’s how to bundle smarter, save harder, and maybe—just maybe—make your underwriter sweat.

1. Stack discounts like a DeFi yield farmer

Combine policies with one provider. Loyalty pays—until it doesn’t.

2. Turbocharge deductibles

Raise them. Pocket the difference. Just don’t crash your Tesla into the pool.

3. Weaponize smart home tech

Leak sensors? Discounts. Security cams? More discounts. They’ll spy on you anyway—might as well get paid.

4. Play the credit score game

That 800+ FICO isn’t just for flexing—it’s your secret rate-cutter.

5. Annually audit like a crypto tax cheat

Re-evaluate coverage. That Beanie Baby collection isn’t ‘precious art’ anymore.

6. Go nuclear with umbrella policies

Layer extra liability coverage. Because America loves lawsuits more than Bitcoin.

7. Loyalty is dead—rotate providers

Insurers bait you with ‘member discounts’ then jack rates year two. Exit faster than a rug pull.

Bottom line: The system’s rigged. But with these plays, you keep more fiat—while still being covered when the NFT gallery floods.

Navigating the Insurance Crisis

American households are currently facing a significant financial challenge: the surging cost of essential insurance coverage. In 2024, the property and casualty (P&C) insurance market has been characterized by aggressive premium hikes for both auto and home policies. Auto insurance rates, in particular, have seen dramatic increases, climbing over 22% year-over-year in early 2024, outpacing nearly every other category of household spending. Homeowners insurance has not been spared, with renewal premiums for some policyholders jumping by as much as 25% since last year, and 69% since 2021. This relentless inflation in insurance costs is straining family budgets and forcing consumers to seek out effective cost-saving measures.

These rate increases are a direct result of the P&C industry’s effort to return to profitability after several years of significant underwriting losses, driven by factors like severe weather events, supply chain disruptions, and rising repair costs. In 2024, the industry has shown a strong financial turnaround, posting a net underwriting gain of $22.9 billion after a $21.3 billion loss in 2023. While this is positive news for insurers, it has been achieved through the higher premiums policyholders are now paying.

In this challenging environment, one of the most powerful strategies available to consumers is insurance bundling—the practice of purchasing multiple policies, most commonly home and auto, from a single insurance provider. Insurers heavily promote bundling because it increases customer retention and creates operational efficiencies, allowing them to offer substantial discounts as an incentive. However, simply bundling is not enough. To truly maximize savings and secure the best protection, consumers must approach bundling not as a simple transaction, but as a strategic financial decision. This report provides a comprehensive playbook of seven powerful strategies, designed to empower homeowners and drivers to navigate the complexities of the current market, cut through the marketing noise, and unlock significant savings through intelligent bundling.

The 7 Powerful Strategies to Maximize Your Bundling Savings

Strategy 1: Master the Art of Strategic Comparison (Don’t Assume the Bundle is Cheaper)

The foundational principle of smart insurance shopping is that while bundling discounts are often substantial, the bundled price is not automatically the most cost-effective option. Insurers offer multi-policy discounts that can range from 5% to over 25%, a powerful incentive designed to attract and retain long-term customers. The business logic for insurers is clear: it is far more expensive to acquire a new customer than to keep an existing one, so offering a discount to capture multiple lines of business is a sound investment in customer loyalty.

However, this discount can sometimes mask a higher overall cost. A specialized auto insurer, for example, might offer such a competitive rate on car insurance that even when paired with a separate home policy from another company, the total annual premium is lower than a bundled offer from a generalist insurer. Consumers must look past the advertised discount percentage and focus solely on the final, total out-of-pocket cost.

Furthermore, the structure of the bundle itself requires scrutiny. Some insurers use affiliate or third-party companies to underwrite one portion of the “bundle,” which can negate the primary convenience of having a single point of contact for billing and claims. The discount may also be an introductory rate that disappears at renewal, or it could be applied unevenly across the policies, with a large discount on one policy hiding an overpriced premium on the other.

This reality creates a psychological trap for consumers. The convenience of a single bill and the allure of a simple discount can lead to complacency. Insurers understand that once a customer is bundled, they are far less likely to shop around at renewal time. This inertia allows for gradual rate increases over the years that can quietly erode, and eventually eliminate, the initial savings. The most effective counter-strategy is to actively fight this inertia through a disciplined, annual review process, treating insurance not as a “set it and forget it” purchase but as a dynamic part of a financial plan.

  • Get Three Tiers of Quotes: From every insurer contacted, always request three separate price points: 1) the cost of a combined home and auto bundle, 2) the cost of a standalone auto policy, and 3) the cost of a standalone home policy.
  • Compare the Sum, Not the Discount: The only figure that matters is the total annual premium. A 25% discount on an inflated base price can still be more expensive than a 10% discount on a competitively priced base premium. The goal is to find the lowest total cost for the required coverage, whether bundled or not.
The Pros and Cons of Bundling at a Glance

Benefit/Drawback

Description

Expert Perspective

Pro: Significant Cost Savings

Insurers offer multi-policy discounts that can range from 5% to over 25%.

The discount is a marketing tool. The total out-of-pocket cost is what matters. Always compare the final bundled price against the sum of the best individual policies available.

Con: Not Always the Cheapest

A specialized insurer might offer a lower total cost for separate policies than a generalist insurer’s bundle.

This is especially true if one of your policies is considered high-risk (e.g., auto insurance with a poor driving record), as a specialist may price that risk more competitively.

Pro: Simplified Management

One company means one bill, one renewal date, one agent, and one mobile app to manage.

Convenience is valuable, but it is also the primary mechanism insurers use to create customer inertia and retain policyholders who may be overpaying.

Con: Reduced Flexibility & Complacency

Bundling can discourage annual shopping, leading to missed savings as rates creep up over time.

Commit to re-shopping annually to counteract this effect. The convenience is only worth it if the price remains competitive.

Pro: Single Deductible Potential

In a single event that damages both your home and car (e.g., a hurricane), some bundles allow you to pay only one deductible.

This is a high-value feature but is not standard. It must be explicitly confirmed with the agent, as not all insurers offer it.

Con: Complicated Switching Process

Unwinding a bundle to switch providers can feel more complex than switching a single policy, which can deter shopping.

Do not let the perceived hassle of replacing two policies prevent the potential to save hundreds or even thousands of dollars. An independent agent can manage this process.

Strategy 2: Choose Your Champion: Independent Agent vs. Captive Agent

The choice of where to purchase insurance is as critical as the policy itself. The decision between using a captive agent or an independent agent will fundamentally define the scope of options and the nature of the advice received.

  • Captive Agents work exclusively for a single insurance company, such as State Farm, Allstate, or Farmers. They are deep experts in their company’s specific product lines, including their unique bundling options and discount structures. The primary drawback is that their allegiance is to their parent company. They cannot offer a competitor’s product, even if it is a better or more affordable fit for the customer’s needs. Their objective is to sell their company’s policies, and they may be influenced by internal sales quotas.
  • Independent Agents are not tied to a single insurer. Instead, they work with multiple insurance companies to find the best policies for their clients. This structure allows them to act as a market shopper on the consumer’s behalf. For bundling, an independent agent can compare offers from numerous carriers and recommend the best true bundle. Crucially, they can also advise splitting policies between two different companies if that proves to be the most cost-effective strategy. Because their compensation is not tied to promoting one specific carrier over another, their recommendations are generally unbiased.

In today’s volatile and increasingly expensive insurance market, an independent agent serves as a powerful force multiplier for the consumer. They perform the exhaustive market comparison that most individuals lack the time or expertise to conduct themselves, providing access to a wider array of potential solutions.

This advantage is magnified by the current “hard market” conditions. A hard market is characterized by rising premiums, stricter underwriting criteria, and reduced availability of coverage, particularly in high-risk areas. In this environment, an independent agent’s role evolves from a mere shopping assistant to a vital market access specialist. As large national carriers pull back from regions prone to catastrophes like wildfires or hurricanes, consumers may struggle to find any coverage at all. Independent agents have established relationships with a broader range of carriers, including smaller, regional insurers and specialized Excess & Surplus (E&S) markets that consumers may not be aware of. These relationships become indispensable for finding not just an affordable policy, but any policy at all, making the choice of an independent agent a critical strategic MOVE for anyone facing insurance challenges.

Strategy 3: Arm Yourself with the Right Questions to Uncover True Value

The information an insurer volunteers is marketing; the information extracted through precise, informed questions is actionable data. To secure the best possible bundle, the consumer must adopt an investigative mindset. Asking specific, technical questions shifts the power dynamic in the conversation with an agent, signaling expertise and compelling the agent to provide transparent, detailed answers rather than a generic sales pitch.

An agent who recognizes they are dealing with an informed consumer is more likely to offer their most competitive pricing and provide a thorough justification of their policy’s value. The questions themselves become a powerful negotiation tool.

  • “Is this a true bundle from a single underwriter, or is it an affiliate partnership with a third-party company?”
    • Why it matters: Some large insurers sell renters or home policies underwritten by a separate, affiliated company. This can eliminate the convenience of having a single point of contact for claims and billing, which is a primary benefit of bundling.
  • “Can you provide an itemized breakdown showing the premium for the home policy and the auto policy within the bundle, and also what each policy would cost as a standalone product?”
    • Why it matters: This question uncovers how the discount is applied. A lopsided discount might be masking an overpriced policy within the bundle. Seeing the individual costs is the only way to perform a true apples-to-apples comparison.
  • “If a single catastrophic event, like a hailstorm or fire, damages both my house and my car, will I only have to pay a single deductible for the entire claim?”
    • Why it matters: This “single deductible” feature can save thousands of dollars in a major disaster, but it is not a standard component of all bundles. The answer to this question can be a significant tiebreaker between two otherwise similar offers. It is essential to get the answer in writing or have it clearly noted in the policy documents.
  • “If I file a claim on my auto policy, how will that impact the bundle discount and the premium on my home policy at the next renewal?”
    • Why it matters: Insurers have different rules for how claims affect bundled policies. Some may only apply a rate increase to the policy that had the claim, while others might raise rates on both policies or remove the multi-policy discount entirely. Understanding this before a claim occurs is crucial for long-term financial planning.
  • “Is the bundling discount you’re quoting a permanent rate reduction, or is it an introductory offer that will expire after the first year?”
    • Why it matters: Some discounts are used as a “teaser” to attract new customers. This question helps expose any potential “bait-and-switch” pricing tactics and ensures clarity on the long-term cost of the policy.
  • “Based on my specific property and situation, what optional coverages or endorsements, like water backup or extended replacement cost, do you recommend? How do these additions affect the total bundled premium?”
    • Why it matters: A base policy may have significant gaps. This question opens the door to a discussion about crucial but often overlooked protections. An agent’s recommendations can reveal their expertise and commitment to providing comprehensive coverage rather than just the cheapest price. It also allows for a full understanding of the cost of a truly complete protection package.

Strategy 4: Analyze the Top Insurers and Their Real-World Savings

Not all insurance companies are created equal, especially when it comes to the value of their bundled policies. While rates and discounts are highly dependent on individual factors like location, credit history, and driving record, analyzing data from top-performing insurers provides a crucial starting point and a shortlist of companies to target for quotes.

A fascinating trend has emerged in the 2024 market data. On one hand, J.D. Power reports that consumer satisfaction with insurers is plummeting due to aggressive rate hikes, and the intention to unbundle policies is on the rise. On the other hand, market research from Mintel shows that the actual rate of households with bundled policies has remained resilient and is even growing. This reveals a market defined by “unhappy inertia.” Consumers are feeling the pain of higher costs but are often paralyzed by the perceived hassle of switching or the lack of obviously better alternatives in a market where all prices are rising.

This disconnect creates a significant opportunity. The average consumer may be stuck in a state of dissatisfied inertia, but the proactive shopper who follows a strategic plan can break through this paralysis. By methodically comparing top insurers, they can capitalize on market inefficiencies and find savings that the majority are missing.

 Top Home & Auto Insurance Bundlers of 2025

Insurer

Average Bundle Discount

Key Features & Strengths

Considerations & Drawbacks

State Farm

23% – 26% (Up to $1,356/year)

Largest P&C insurer in the U.S. with a vast network of local agents. Consistently high customer satisfaction and a low level of complaints.

Operates on a captive agent model, so quotes must be obtained directly from a State Farm agent and cannot be sourced through an independent agent.

Amica

Up to 30%

Consistently ranks at the top for customer satisfaction and service. Offers dividend policies, which can return up to 20% of the annual premium to policyholders.

Base premiums can sometimes be higher than competitors, so the net cost after the large discount must be carefully evaluated.

USAA

Up to 10%

Renowned for excellent rates and top-tier customer service for the military community. Policies often include valuable perks standard, like replacement cost coverage for personal belongings.

Eligibility is strictly limited to active military members, veterans, and their immediate families.

Nationwide

~15%

Offers a strong suite of optional coverages like accident forgiveness and vanishing deductibles. Notably, has no banned dog list for its homeowners insurance policies.

Can be an expensive option for drivers with poor credit. Not available in all states.

Travelers

5% – 11%

Offers unique perks like the “Responsible Driver Plan” with accident forgiveness and decreasing deductibles. Good options for eco-conscious homeowners.

The average bundled premium can be higher than many competitors, potentially offsetting the value of the discount.

Auto-Owners

~10% – 12%

Known for having a very low level of customer complaints and high customer satisfaction ratings. Offers competitive rates.

Only available in 26 states and sells policies exclusively through independent agents.

Strategy 5: Execute a Flawless Switch to Your New Bundle

Switching insurance providers is a multi-step process that must be managed with precision to avoid dangerous and costly mistakes, such as a lapse in coverage. A methodical approach ensures a seamless transition.

A critical but often overlooked party in this process is the mortgage lender. If a homeowner has a mortgage, the lender is an active stakeholder. The mortgage contract requires the property to be continuously insured to protect the lender’s financial interest. If the lender receives a cancellation notice from the old insurer and has not been notified of the new policy, they may assume the property is uninsured. In this scenario, they have the right to purchase “force-placed” insurance on the homeowner’s behalf. This type of coverage is typically far more expensive than a standard policy and offers less protection, with the high cost being passed directly to the homeowner through their escrow account. Therefore, clear and timely communication with the lender is not just an administrative task; it is a crucial risk-management step.

  • Step 1: Gather Your Arsenal of Information. Before seeking quotes, collect all necessary documents. This includes the declarations pages from the current home and auto policies (to ensure an accurate, apples-to-apples comparison), the driver’s license number for every driver in the household, and the Vehicle Identification Number (VIN) for each car. For the home, have details ready such as the property address, square footage, year built, and information on any security systems or recent updates to the roof, plumbing, or electrical systems.
  • Step 2: Conduct Your Research and Secure Your New Policy. Employing the strategies outlined above, shop the market and select the best bundled policy.
  • Step 3: Complete a Pre-Switching Checklist. Use a systematic worksheet to compare the new bundle directly against the current policies. This prevents being swayed by a low price that might conceal dangerously inadequate coverage.

Coverage Component

Your Current Policy

New Bundle Quote

Expert Note

Auto: Liability Limits (Bodily Injury/Property Damage)

e.g., $100k/$300k/$100k

e.g., $100k/$300k/$100k

Ensure limits are identical for a fair price comparison. Consider increasing if your net worth is high.

Auto: Collision Deductible

e.g., $1,000

e.g., $1,000

A higher deductible lowers the premium but increases your out-of-pocket cost after an accident.

Auto: Comprehensive Deductible

e.g., $1,000

e.g., $1,000

Covers theft, vandalism, weather. Ensure the deductible is an amount you can comfortably afford.

Home: Dwelling Coverage (Coverage A)

e.g., $350,000

e.g., $350,000

This must be enough to completely rebuild your home. A low quote may hide insufficient dwelling coverage.

Home: Personal Property Coverage

e.g., $175,000 (50% of A)

e.g., $175,000 (50% of A)

Check if it’s Replacement Cost Value (better) or Actual Cash Value (pays less).

Home: Liability Coverage

e.g., $300,000

e.g., $300,000

Experts often recommend at least $300,000 to $500,000.

Home: Deductible (All Perils)

e.g., $2,500

e.g., $2,500

Check for separate, higher deductibles for wind/hail or hurricanes if you live in a prone area.

Key Endorsements (e.g., Water Backup, Extended Replacement Cost)

Yes/No

Yes/No

Do not overlook these. A new policy without a crucial endorsement is a major downgrade in protection.

Annual Premium (Total)

$X,XXX

$Y,YYY

The final bottom-line comparison after all coverages and deductibles are matched.

  • Step 4: Purchase the New Policy First. This is the single most important step in the process. Finalize and pay for the new bundled policy, setting its effective date to be the same day the old policies are set to terminate. Never cancel an old policy until the new one is officially active and confirmed in writing. Even a one-day lapse in coverage can have catastrophic financial consequences and will lead to higher rates in the future.
  • Step 5: Formally Cancel Your Old Policies. Once the new policy is in effect, contact the previous insurance companies to formally cancel the old policies. This should be done in writing (email is sufficient), and it is wise to request a written confirmation of the cancellation. Inquire about any prorated refund for premiums paid in advance.
  • Step 6: Notify Your Mortgage Lender Immediately. Contact the mortgage company’s insurance department. Provide them with the declarations page of the new policy, which contains all the necessary information, including the new insurer’s name, policy number, and the lender’s required mortgagee clause. This ensures that future payments from the escrow account are sent to the correct insurer.

Strategy 6: Go Beyond the Bundle with “Discount Stacking”

The multi-policy discount for bundling is the headline, but it is rarely the only way to save. Maximum savings are achieved by “stacking” a variety of other available discounts on top of the initial bundle discount. A diligent approach to uncovering every possible price break can reduce the final premium significantly.

A notable evolution in the world of insurance discounts is the shift from rewarding purely passive demographic factors (like age or marital status) to incentivizing proactive consumer behaviors that directly mitigate risk. This is a response to insurers’ struggles with profitability in the face of rising claims. Technology now allows insurers to get real-time data on risk through telematics devices that monitor driving habits and smart home sensors that can detect water leaks or break-ins. By offering substantial discounts for the adoption of this technology, insurers create a win-win scenario: the consumer saves money, and the insurer gets valuable data that helps them better predict and reduce losses. This trend toward rewarding proactive risk management is a key forward-looking strategy for savvy consumers.

  • Adjust Your Deductibles Strategically: The deductible is the amount paid out-of-pocket on a claim before insurance coverage kicks in. Raising deductibles is one of the most direct ways to lower premiums. For example, increasing a home insurance deductible from $1,000 to $2,500 can lower the rate by an average of 11%. The key is to select the highest deductible that can be comfortably covered by a household’s emergency fund.
  • Request a Full Discount Menu: Do not assume an agent has proactively offered every available discount. Explicitly ask for a comprehensive list. These often include :
    • Safety & Security Discounts: For having deadbolt locks, smoke detectors, fire extinguishers, and centrally monitored fire or burglar alarm systems. Discounts may also be available for homes with new roofs or updated electrical and plumbing systems.
    • Personal Status Discounts: For good students, drivers who have completed a defensive driving course, non-smokers, or retirees.
    • Policy Management Discounts: For paying the entire annual premium in full upfront (which can save 6% to 14%), enrolling in automatic payments, or signing up for paperless billing.
    • Loyalty & Claims History Discounts: For remaining claims-free for a certain number of years. Some insurers also offer “accident forgiveness” or “diminishing deductibles” that reduce the deductible amount for each year without a claim.
  • Improve Your Credit-Based Insurance Score: In most states, insurers use a form of credit score to help determine premiums. A history of on-time payments and responsible credit management can lead to significantly lower rates.
  • Leverage Telematics and Usage-Based Insurance (UBI): For safe drivers, enrolling in a UBI program like Progressive’s Snapshot or State Farm’s Drive Safe & Save can result in deep discounts, sometimes as high as 40%. These programs use a smartphone app or a small device to track driving habits like speed, mileage, and hard braking. It is important to note, however, that with some insurers, risky driving behavior could potentially lead to a rate increase.

Strategy 7: Understand the 2025 Market to Inform Your Decision

An insurance decision does not occur in a vacuum; it is made within the context of broad market forces. Understanding the dynamics of the P&C insurance market in 2024 and the outlook for 2025 provides the necessary perspective to make a smarter, more resilient choice.

The industry is currently in a “hard market” cycle. After years of unprofitability driven by severe weather, inflation, and supply chain issues, insurers are now aggressively working to restore their financial health. This has translated into the steep rate increases, tighter underwriting standards, and, in some cases, market exits from high-risk states like California and Florida that consumers are experiencing. Projections indicate this environment will persist, with the industry’s combined ratio—a key measure of profitability where a figure below 100 indicates a profit—forecasted to be 98.5% in 2025, suggesting that pressure on premiums will continue.

This market squeeze has triggered a predictable consumer reaction: record levels of shopping and dissatisfaction. J.D. Power data shows that nearly half of all auto insurance customers are actively shopping for a new policy. Yet, despite this widespread discontent, bundling remains a surprisingly resilient strategy for consumers, likely because the convenience is compelling and the fact that

all rates are rising makes the potential savings from switching less obvious without a DEEP and methodical analysis. Interestingly, data shows that unbundled shoppers are switching carriers at a higher rate than bundled ones, suggesting that those who do the work to compare separate policies are indeed finding better value.

This hard market is also causing a fragmentation of the insurance landscape, which creates opportunities. As large, national carriers with national risk pools pull back from catastrophe-prone areas to manage their exposure, a vacuum is created. This vacuum is being filled by smaller, more nimble regional insurers and specialty carriers whose risk is concentrated in less volatile areas. A regional insurer in the Midwest, for example, is not exposed to hurricane risk in Florida and may therefore offer more competitive rates for its target market. This means the “best” insurer is becoming increasingly location-specific. The one-size-fits-all approach of relying on big national brands is becoming obsolete. The consumer who thinks beyond these brands—often with the guidance of an independent agent who has relationships with these regional players—is best positioned to find hidden value in this fragmented market.

Conclusion: Taking Command of Your Insurance Costs

In a market defined by soaring premiums and widespread consumer inertia, the strategic and intelligent bundling of home and auto insurance stands out as one of the most potent financial levers available to households. The landscape is challenging, but it is not without opportunity for the informed and proactive consumer. By moving beyond the simplistic allure of an advertised discount and adopting a disciplined, analytical approach, it is possible to counteract rising costs and secure both comprehensive protection and significant savings.

The seven strategies outlined in this report provide a comprehensive framework for action. They transform the act of buying insurance from a passive acceptance of a quoted price into an active process of investigation, comparison, and negotiation. By mastering strategic comparison, choosing the right agent, asking tough questions, analyzing top providers, executing a flawless switch, stacking all available discounts, and understanding the broader market context, the consumer is no longer a price-taker. Instead, they become an empowered financial manager, capable of navigating the complexities of the insurance industry to their distinct advantage. The path to substantial savings begins with the decision to take command of the process, armed with the knowledge and tools to succeed.

Frequently Asked Questions (FAQ)

No. While bundling frequently results in substantial discounts, sometimes ranging up to 25% or more, it is not a guaranteed path to the lowest price. In some cases, purchasing a standalone auto policy from a specialized, low-cost carrier and a separate home policy from another insurer can result in a lower total premium than a bundled package. The only way to be certain is to always compare the final bundled price against the sum of the best individual policies available.

The savings from bundling vary widely based on the insurance company, the state, and an individual’s personal risk profile (including driving record and claims history). On average, discounts typically range from 10% to 25%. Some insurers advertise specific potential dollar savings; for example, State Farm suggests savings could be up to $1,356 per year, while The Hartford reports an average annual savings of $813 for its bundled customers.

Yes, it is possible to change insurance companies at any time. There is no requirement to wait for the policy renewal date. If a switch is made mid-term, the old insurer may charge a small cancellation fee, but the policyholder is entitled to a prorated refund for any premium that was paid in advance for the unused portion of the term.

Bundling itself should not automatically change coverage limits, but consumers must be vigilant. It is possible for an insurer to offer a lower-priced bundle that secretly contains lower coverage limits, fewer protections, or higher deductibles. This is why conducting a detailed, “apples-to-apples” comparison of all coverage amounts and endorsements between the current policy and the new bundled quote is an essential step to ensure protection is not being sacrificed for a lower price.

This depends entirely on the insurance company’s specific rules. Some insurers may only apply a rate increase to the policy that incurred the claim (e.g., the auto policy after an accident). Others, however, might increase the premiums on both policies in the bundle or remove the multi-policy discount altogether at renewal. This is a critical question to ask an agent before purchasing the policy to understand the long-term financial implications of a claim.

Most insurers that offer bundling provide multi-policy discounts for a wide range of products. In addition to home and auto, it is often possible to bundle with renters, condominium, life, boat, motorcycle, RV, or umbrella insurance policies. Typically, the more policies a customer bundles with a single insurer, the greater the potential for overall savings.

 

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