Bundle it. Save up to 20%.
When you insure your home and auto with the same carrier, most companies hand out a multi-policy discount that can knock serious dollars off your premium. We shop 50+ carriers to find the best bundle for your mix.
The real advantages of bundling home & auto
When it makes sense, a bundle does more than just save money it simplifies your entire insurance picture.
Multi-policy discount on both
Most carriers apply the bundle discount to your home and your auto premium. That means the savings stack on two separate bills, typically ranging from 5% to 25% depending on the carrier.
Single deductible on combined losses
Some carriers offer a combined deductible when the same event damages both your home and your car a hailstorm, for example. Instead of paying two separate deductibles, you pay one.
Loyalty perks that grow over time
Carriers treat long-term bundled clients differently at renewal. You're less likely to see aggressive rate increases, and some companies add additional loyalty discounts the longer you stay.
Simpler claims experience
One agency knows your full insurance picture. When something goes wrong whether it's a fender bender or a burst pipe you make one call and we coordinate everything from there.
Fewer things to forget
Missed renewal notices and lapsed policies happen when coverage is scattered across multiple carriers. Consolidating means fewer balls in the air and less chance of an accidental gap.
Bundling doesn't always mean the same carrier
We can place your home with one carrier and your auto with another and many of our carriers still apply a multi-policy credit just for having both policies through our agency. The goal is always the combination that gives you the best coverage at the best rate for your specific risk profile.
Bundling tends to win when…
- The same carrier is competitive on both home and auto for your profile
- The combined discount is 15%+ and offsets any premium difference
- You value simplicity one bill, one renewal, one call
- You have a clean driving record and a straightforward home (no high-value, older, or unusual property)
- A hailstorm risk makes the combined deductible perk meaningful in your area
Separate carriers often win when…
- A specialty auto carrier (Progressive, National General, etc.) beats the bundle discount on your vehicles by a wide margin
- Your home has characteristics age, construction, prior claims that only certain home carriers will write competitively
- Your driving history makes auto expensive with the home carrier but cheaper elsewhere
- The bundle discount is small (under 8%) but the premium difference between carriers is large
- One carrier has significantly better claims service for one line than the other
There's no universal answer it depends on your specific home, vehicles, and risk profile. That's exactly why working with an independent agent matters.
We run it both ways. You see the real numbers.
No pressure, no upsell. We quote the bundle and the split scenario, then lay out exactly what each option costs and covers.
Tell us about your home & vehicles
We gather your property details, vehicle info, and any prior claims. The more we know upfront, the more accurate your quote.
We shop 50+ carriers bundled and split
We quote both scenarios simultaneously across our full carrier market. Bundle pricing on one side, best-in-class home + best-in-class auto on the other.
We show you the comparison, side by side
Total annual cost, coverage differences, deductibles, carrier ratings. No confusing jargon just a clear picture of what each option actually means.
You decide we set it up same day
Once you choose, we bind coverage, send your ID cards, and handle everything. Most clients have documents in hand the same business day.
Let's stack those discounts.
Give us your home and vehicle details we'll show you what the bundle actually saves you.
Start My Quote →Disclaimer: The coverages, endorsements, and features described on this page are illustrative examples and may vary by carrier, state, and individual policy. Conexion Insurance Agency does not guarantee that any specific coverage, limit, or exclusion applies to your policy. Actual terms are governed solely by the policy issued to you please review your own policy documents carefully and contact us directly for specifics about your account.