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HOME AND AUTO BUNDLE

Bundling home and auto insurance. When it saves money, and when it does not.

Most people assume bundling home and auto with one carrier always saves money. It usually does, but not always. As an independent agent we can show you the numbers both ways. If splitting policies gets you better coverage and a lower combined premium, we will tell you.

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WHAT'S COVERED

What bundling actually gets you.

A real multi-policy discount

Most carriers apply the discount to one or both policies when you write them together. Industry data from 2025 puts the average savings at roughly 15% to 20% on the combined premium, though the actual dollar amount varies widely by carrier, state, and your specific profile. Travelers caps the home discount at around 12%. Nationwide runs closer to 18% to 20% in suburban Georgia markets.

One carrier relationship for both claims

When a storm damages your home and your car in the same event, having both policies with one carrier can simplify the claim. Some carriers, including Progressive, will waive one deductible when both policies are triggered by the same event. One adjuster, one claim number, one point of contact.

Umbrella eligibility

A personal umbrella policy sits above your home and auto liability limits. Most carriers require that your underlying home and auto be placed with the same carrier to qualify for their umbrella. If you want an umbrella, bundling is often a prerequisite, not just a discount strategy.

Simplified billing and renewal

One carrier means one renewal cycle to track, one billing relationship, and one set of policy documents. For most households this is a genuine quality-of-life improvement. It also reduces the chance of a coverage gap if one policy lapses while you are managing multiple carriers.

IMPORTANT LIMITATIONS

When bundling is not the right call.

Your home does not qualify with your best auto carrier

Carriers price auto and home independently. Progressive is highly competitive on auto for most Georgia drivers but their homeowners product is written through a third-party carrier with less consistent claims service. If you have an older roof, prior claims, or a non-standard property, Travelers and Nationwide may price the home too high or decline it outright while still being your best auto option.

The bundle discount does not close the pricing gap

A carrier might offer you a 15% bundle discount on a homeowners policy that is 30% more expensive than a competitor who writes home-only. The math does not always favor the bundle. We run both scenarios every time: bundled with one carrier versus best-of-market for each policy separately.

You need a surplus lines home carrier

Older homes, properties with multiple prior claims, high-value coastal properties, and non-standard construction sometimes only qualify through surplus lines homeowners carriers. Those carriers do not write auto. In those situations, splitting is the only option, and we place the best admitted auto carrier separately.

Your driving history pushes you to a non-standard auto carrier

If your driving record places you in the non-standard auto market, the carriers who will write your auto policy often do not write preferred homeowners coverage. National General is the overlap carrier in our book for this profile, but their homeowners pricing is typically not competitive against preferred market options for the home itself.

OUR CARRIER PANEL

Carriers We Use for This Coverage

All carriers are A-rated by AM Best and appointed in the state. We compare them and recommend the right fit.

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CLAIMS TIPS

If You Need to File a Claim

Practical guidance for the first 24 hours, what to document, common mistakes to avoid, and when to call us.

COMMON QUESTIONS

Frequently Asked Questions

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GET STARTED

Send us both dec pages and we will show you the math.

We will quote the bundle and the split. You will see the actual dollar difference across the carriers we represent. If the bundle wins, we write the bundle. If splitting wins, we split. Most agencies cannot show you both because they only work with one carrier.

A bundled home and auto policy for a typical Georgia household runs between $2,500 and $6,000 per year combined, depending on home value, vehicle type, and coverage limits. The multi-policy discount typically reduces the combined premium by $300 to $900 compared to placing each policy separately with the same carrier.

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