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Save money with home and auto insurance bundles.
State Farm offers unmatched savings with a highly personalized policy experience for homeowners, renters, and condo owners alike. It’s one of the best auto and home insurance companies around and offers multiple insurance products.
From personal property protection to temporary living expenses, Direct Auto has home and apartment renters covered with affordable coverage for everything from damage repairs to stolen property.
One of the best ways for drivers to save on insurance premiums is by taking advantage of multi-policy, also known as bundling, discounts. Bundling refers to purchasing multiple policies, like home and auto, from a single provider. Along with offering big discounts, bundling can make managing policies and payments easier for owners and renters alike.
Bundling can save you money, but it doesn’t mean you’re paying the lowest price automatically. To avoid insufficient coverage or a high deductible, you should review your potential policy carefully before deciding on a multi-policy coverage. We’ve broken down the top providers of auto and home bundles for all types of homes, so no matter how you finance your property, you’ll get coverage from a company you can trust, whatever your coverage limits.
Best Overall: State Farm
Best for Renters: Direct Auto
Best for Homeowners: Liberty Mutual
Best for Condo Owners: USAA
Best for Motorhome Owners: Allstate
Feature | Best for | Average annual bundled rate | Maximum bundling discount | Average annual savings with a bundled rate | Customer satisfaction rating (out of 1,000) on J.D. Power | Year founded | Number of customers | Discounts available | Review |
---|---|---|---|---|---|---|---|---|---|
#1. State Farm | Overall | $1,440 | 17% | $587 | 847 | 1922 | 87 million | Defensive driver course, multi-car, student away from home | State Farm review |
#2. Direct Auto | Renters | N/A | 25% | N/A | N/A | 1991 | N/A | Continuous insurance, homeownership, military, multi-car | Direct Auto review |
#3. Liberty Mutual | Homeowners | $750 | 10-25% | $576 | 825 | 1912 | N/A | Accident-free, low mileage, early quote, homeownership | Liberty Mutual review |
#4. USAA | Condo owners | $1,310 | 10% | $235 | 893 | 1922 | 13 million | Safe driving habits, multi-policy, new car, vehicle storage | USAA review |
#5. Allstate | Motorhome owners | $1,833 | 25% | $555 | 826 | 1931 | 16 million | Driver training course for young drivers, early signing, good student | Allstate review |
For decades, State Farm has been a leading provider of home insurance. With coverage for all building types, State Farm claims that combining home and auto policies could save you up to $1,127, or $722 when you bundle auto with low-cost renters insurance.1
Your smartphone has an app for everything, so why not use it to save money on auto insurance? State Farm’s Drive Safe & Save app lets you get an insurance discount of up to 30 percent with safe driving behavior. The app uses Bluetooth and location services to record your driving information and determine your discount.
The app will give you feedback on the following:
Earn the biggest discount by avoiding driving with decreased visibility, fatigue, excessive speeds, and hard stops.
As the nation’s largest property and casualty insurer, State Farm writes policies in all 50 states and Washington, D.C. Offering an unmatched local market presence, State Farm’s 19,000 exclusive agents can help you find the best coverage for your home and auto needs. With a large customer base, State Farm has more capital and available funds to offer discounts and pay claims.
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.
Formerly known as Direct General, Direct Auto has a history of insuring drivers with a spotty insurance history. This non-standard insurer is a great contender for renters who have trouble qualifying for bundled insurance because of rating factors like a poor driving record or bad credit.
To make protection 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 renter’s policy so you are covered at a price that works for your budget.
With this small, regional provider, you can do the following:
Direct Auto offers massive savings on insurance bundles for people renting homes, townhouses, and condominiums. If you switch to Direct Auto after being with another car insurance company for at least six months and have not had more than 90 days of a lapse in previous coverage, you could save 25 percent.2
These are some other discounts available from Direct Auto:
Discount | Criteria | Maximum savings |
Military | You are an active service member and can provide documentation. | 25% |
Safe driver | You have been violation- and accident-free for the past 36 months. | 10% |
Good student | You’re unmarried and a full-time student in high school, college, or vocational/technical school with a B average. | 10% |
Senior citizen | You are at least 55 and complete a motor vehicle accident prevention course. | 5% |
Driver education | You complete a qualifying accident prevention course (if you’re over 21) or a state-approved driver education course (if you’re under 21). | 10% |
Multi-car | You have more than one car on your policy. | 25% |
Vehicle equipment | Your vehicle is equipped with qualifying anti-theft and safety features. | 25% |
Multi-product | You include qualifying products in your policy (products vary by state but usually include life insurance and emergency protection plans). | 5% |
Renewal | You haven’t had a policy lapse in the last 12 months and you renew within 7-10 days before the policy’s expiration date. | 20% |
Welcome back | You had a policy with Direct Auto previously, but not within the last 6 months. | 6% |
Affinity | You’re an active member of an organization that has partnered with Direct Auto. | 5% |
Payment | You use automatic payments, pay in full, or go paperless. | 9% |
Multi-policy | You purchase at least 2 qualifying policies from Direct Auto. | 10% |
With 10,000 employees and coverage in 12 states, Direct Auto keeps rates low and claims processing quick by prioritizing local connections. In the event that you need to file a claim for your home or car, you can report the claim anytime online or over the phone. Get help by calling 1-800-403-1077 or chatting online with a virtual assistant. You can check the status of your claim at any time using the same sources.
Liberty Mutual has you covered if you own your home and want customization options at affordable rates. 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.3
Homeowners bundling with Liberty Mutual have access to plenty of discounts relating to customer loyalty, safety features, payment methods, and multi-policy coverage.
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 that 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:
Homeowners pay the least when it comes to bundling home and auto insurance because insurers view them as more financially responsible and less likely to file claims than renters. Liberty Mutual keeps homeowners insurance rates low by offering standard coverage for personal property, displacement costs, and weather damage. By offering highly customizable bundling options for homeowners, Liberty Mutual will tailor your policy so you pay only for what you need.
While the United Services Automobile Association (USAA) offers a lower bundling discount than most insurers, its rates are well below the average. From minimum to full coverage, USAA provides all the standard condo policy options for military members at cheap prices.
USAA writes policies only for members of the U.S. military, veterans, and qualifying family members. If you are eligible, you can save an average of $725 on your annual premium by switching to USAA.4 Since USAA caters to this niche market, it can provide support for unique circumstances like living on a military base or storing a car while deployed. Plus, this organization offers plenty of perks for active service members, such as waiving deductibles on uniform costs.
With over 13 million members worldwide, USAA has high marks for claims satisfaction as well as low complaint rates. The organization has a rating of 893 out of 1,000 from J.D. Power for outstanding customer satisfaction, although it is not eligible to be officially ranked due to its membership requirement.5
On USAA’s contact page, you’ll find phone numbers based on the type of question you have, such as those about mortgages, discounts, and auto insurance. These phone numbers operate during business hours; for 24/7 response on domestic and international insurance inquiries, contact USAA’s virtual agent on its website.
Although USAA has strict eligibility requirements, it offers rates that are well below average for almost every driver profile. Average members save $725 per year when they switch to USAA auto insurance. You may save even more by taking advantage of discounts for being claims-free, driving safely, and bundling home and auto.
When you and your traveling companions cruise the country, you’ll want to plan for unexpected mishaps. Allstate offers plenty of discounts for motorhome owners looking for full coverage policies. If you’re looking for a nationwide insurer committed to providing highly specialized coverage options for your RV, Allstate is the choice for you.
For the last five years, Allstate has received an A+ (superior) rating from AM Best. With a century of business experience and a widespread coverage network, Allstate has a history of meeting customers’ home and auto insurance needs. A superior rating from AM Best affirms Allstate’s ability to process and pay out claims quickly. Having a reputation for strong financial stability is an important aspect to consider when you are trying to decide on the best provider for your motorhome needs.
While standard motorhome insurance requires liability insurance, optional coverages will ensure you are protected in the event of an accident. Allstate is unique when it comes to additional coverage for drivers and their motorhomes. Along with standard add-ons like anti-theft device coverage, the green improvement reimbursement will give you money back when you replace damaged items, like windows and appliances, with more energy-efficient ones.
For all your auto and home insurance needs, Allstate provides nationwide coverage from committed local agents. For questions about replacement costs and discounts, one of Allstate’s 12,000 agents can answer your questions quickly. With a 24/7 website and phone access, Allstate wants to make the buying experience as easy as possible.
For our recommendations of the best providers for auto and home insurance bundles, we use a three-pronged approach.
In most cases, it is cheaper to bundle home and auto policies. In some instances, however, bundling your home and auto policies may not be cheaper than paying for the policies separately. If you own a luxury vehicle or live in a high-risk area, for example, you may find a combined policy from one company is more expensive than separate policies from two different companies. Additionally, discounts may be deceiving, because insurance companies with higher discounts may have higher premiums to begin with.
The kinds of insurance policies you can bundle depend on the coverages your provider offers. Typically, insurance companies offer bundling for auto, home, motorcycle, life, boat, or other types of recreational equipment insurance policies.
Your bundled coverage should equal your car and home’s replacement cost, not the original price. Renovations and special car equipment can increase the value of your assets, and depreciation from general use can decrease their value, so it’s important to reevaluate coverage annually, if not more often.
Yes, you can over-insure your property for more than it’s worth. While this tactic could help avoid significant out-of-pocket expenses in the event of an accident, you are wasting money that you could use for immediate expenses like home improvement and service costs.
Save up to $1,127 on auto & home insurance. State Farm. (2022).
https://www.statefarm.com/insurance/multiline
Car Insurance Discounts. Direct Auto. (2022).
https://www.directauto.com/why-direct/get-discounts
Bundle your home and auto insurance. Liberty Mutual. (2022).
https://www.libertymutual.com/bundling
Auto Insurance Discounts. USAA. (2022).
https://www.usaa.com/inet/wc/auto-insurance-discounts?akredirect=true
Auto Insurance Customer Satisfaction Stalls Despite $18 Billion in Premium Relief, J.D. Power Finds. J.D. Power. (2021, Jun 15).
https://www.jdpower.com/business/press-releases/2021-us-auto-insurance-study