Best Home and Auto Insurance Bundles of 2025

With the biggest homeowner discount on our list, flexible bundling options, and extra coverage for your home, Liberty Mutual is our top pick for homeowners who want to bundle auto and home insurance. Whether a vandal breaks your windows or a natural disaster damages your roof, a Liberty Mutual homeowners policy will protect you and your home from unforeseen incidents with its standard and additional coverage options.

Big Savings for Homeowners

There are several ways homeowners can save on their auto insurance with Liberty Mutual. For one, you may be eligible for a significant home and auto bundling discount (an average of $950). Liberty Mutual will also give you a discount just for being a homeowner, regardless of which provider insures your home.

Flexible Bundling Options

Liberty Mutual offers several bundling options for drivers, including bundling auto with home, condo, renters, or motorcycle policies. You may also be able to bundle RV and boat insurance policies. Discounts for specific bundles can vary, so speak with an agent during the quote process to verify what you may be eligible for.

On top of earning discounts, it will be easier to manage your various insurance policies by integrating them under one Liberty Mutual account.

Partner Programs

Liberty Mutual has strong affinity partnerships with over 15,000 partner companies and organizations, such as the Autism Society of America and the Navy Federal Credit Union. With over 40 years of experience building affinity partnerships, it’s no wonder 96 percent of affinity policyholders say they are satisfied with Liberty Mutual’s program.

Homeowners receiving insurance through one of Liberty Mutual’s partner organizations can see the following:

• Lower annual premiums
• Expert program support from specially trained representatives
• Convenient payment options, like electronic funds transfer, recurring credit card, and payroll deduction

For decades, State Farm has been a leading provider of auto and home insurance, including for condo owners. State Farm offers some of the most extensive coverage for condo owners, including weather damage and discharge from plumbing systems. On top of bundling discounts for most insurance types, State Farm advertises savings of up to $1,273 when you bundle auto and condo insurance, or $704 when you bundle auto with low-cost renters insurance.³

Condo Owners Insurance

With all-inclusive options to protect condo units, State Farm offers protection against weather and non-weather damage when you bundle condo and auto coverage. Get protected from sleet, wind, lightning, theft, vandalism, and fire. Knowing the value of your belongings, like electronics, jewelry, clothes, and furniture, will help you decide how much coverage you need in your bundle. A State Farm agent can help you determine the value of your unit and understand the replacement cost of your personal property.

If you qualify for both condo and auto policies, you can get condo owners coverage often for just a few dollars more per month.

Bundle and Save

You can earn up to $1,273 off your auto insurance premium when you bundle home and auto insurance. Ask about how much you can save when you bundle any of the following policies:

• Auto + home
• Auto + condo
• Auto + renters
• Auto + life insurance
• Auto + auto (multi-vehicle discount)

Formerly known as Direct General, Direct Auto has a history of insuring high-risk drivers. Auto insurance providers determine rates and decide to insure (or reject) certain drivers based on their age, gender, credit score, driving history, vehicle type, and other relevant factors. High-risk drivers tend to have a lower credit score, lapses in coverage, very expensive vehicles, a history of accidents or speeding tickets, and other factors that indicate they might be more expensive to insure.

Direct Auto specializes in insurance for high-risk drivers, including renters and homeowners having a hard time finding insurance.

Best for High-Risk Drivers

If you’re a renter or homeowner with bad credit, a history of missed payments, a history of claims, a DUI on your record, or other moving violations on your record, you might find it difficult to find a company that will offer you auto or renters insurance.

This won’t be the case with Direct Auto. As a high-risk provider, Direct Auto likely won’t deny your application. It can also offer additional insurance requirements — like an SR-22 or non-owner insurance — if you need insurance after a serious traffic violation.

Customizable Payments

To make your plan more affordable, Direct Auto allows you to customize your payment options to match your budget. You can speak with a representative online, in person, or over the phone to customize your payment plan. Your representative will guide you through each step toward the right renters policy so you can find a price that works for your budget.

With this small, regional provider, you can do the following:

• Choose your payment date. Pick the best day to make your insurance payment based on your personal financial schedule.
• Plan your payment schedule. According to your spending ability, you can pay in full or choose from multiple installment plans.
• Decide on your monthly payment. Choose how much money you want to put down and, in turn, determine your monthly payment.
• Decide how you want to pay. You can pay with cash at a Direct Auto or partner location, make a one-time or auto payment online via credit or debit card, or pay online by e-check.

Massive Insurance Bundle Discounts

Direct Auto offers sizable savings on insurance bundles for people renting homes, townhouses, and condominiums. If you purchase at least two qualifying policies from Direct Auto, like auto and renters insurance, you can save up to 10 percent on your insurance.

Here’s the full list of discounts:

GEICO is the third-largest insurer in the U.S. and offers a wide range of policy and coverage options. It’s also consistently one of the cheapest insurers, making it a great option for those prioritizing the most affordable coverage. Something to keep in mind is that GEICO doesn’t write its own home insurance policies, instead outsourcing to third-party partners. For this reason, homeowners may prefer to bundle home and auto with another provider, but it’s certainly still possible to get a home policy and bundle through GEICO.

Affordable Rates

On average, GEICO is the most affordable provider on our list. It offers several discounts that help keep your costs down, including bundling for home, auto, and renters insurance.

Here’s how GEICO’s rates compare to other major providers’:

Bundling for Mobile Homes

Some providers, like Direct Auto, don’t offer bundling discounts for auto and mobile homes. With GEICO, you can save by bundling auto with home, renters, condo, or mobile home insurance. If you’re one of America’s 20 million mobile home residents, you should ask your GEICO agent about how much you can save by bundling auto and mobile home insurance.

When you and your traveling companions cruise the country, you’ll want to plan for the worst. After all, your motor home will be your home and the thing that keeps you, your loved ones, and your belongings safe. Allstate offers plenty of discounts for motor home owners looking for a full-coverage policy. If you’re looking for a nationwide insurer committed to providing highly specialized coverage options for your RV, Allstate is the choice for you.

On top of great coverage and bundling opportunities for RV owners, Allstate has a significant home-bundling discount of up to 25 percent.

RV Insurance

Some RVs, like motor homes, are considered vehicles in their own right, which means you’ll be required to obtain insurance for them. Allstate offers insurance plans for most RVs, including motor homes and mobile homes.

On top of your standard coverage (liability, comprehensive, personal injury protection, etc.), you can add the following coverage options for your RV:

• Towing and labor costs coverage: This coverage pays for any labor and towing costs if your RV breaks down.
• Total loss replacement: If your RV is totaled, you can replace it with a new one of the same make and model.
• Vacation liability: You can add additional liability protection if someone is injured in or around your RV while you’re on vacation.
• Full-timer’s liability coverage: You can gain liability coverage, similar to that of homeowners, if you live in your RV for more than six months each year.
• Emergency expenses: This coverage will pay for expenses, like transportation and hotel costs, if your RV breaks down in a covered loss more than 50 miles from home.

Allstate HostAdvantage Plans

If you share your home or apartment with renters, you can sign up for Allstate’s HostAdvantage plan. The plan offers some nice perks and coverage for homesharers who want some added protection.

Here’s what the plan offers:

• Theft protection: Allstate will help pay for belongings that are stolen when renters are in your home.
• Property damage: If a renter accidentally damages your personal property, like a TV, Allstate can help cover what your home insurance doesn’t (up to $10,000 per rental host period).
• Merry Maids discount: Signing up for HomeAdvantage comes with $25 off your first four cleanings with Merry Maids.