Edited by:
Jason Morrison and Reviewed:
Jason Morrison
The best auto and home insurance bundles are the ones that saves you money. If you already have insurance for your home and car covered by the same company then you might be eligible for a multi-policy discount. Oftentimes the best home and auto bundle insurance comes with a discount known as “multi-line.” Usually larger insurance companies will bundle policies together and then offer a savings in price on premiums.
As you search for the best auto and home insurance bundle it is wise to take note that these groupings of policies are not actually covered by the same policy. Typically the bundle will come with a unique policy number. The savings vary from insurance company to insurance company when it comes to the best auto and home insurance bundles and their discounts. Some provide a dollar amount. Others provide a percentage.
However the savings are passed along to you, insurers that cover property and casualty policies tend to usually offer multi-line discounts. That’s good news for you as you search for the best auto and home insurance bundle out there.
List Of The Best Home And Auto Insurance Bundles For Small Businesses:
USAA: Best for members of the military and their families to bundle policies.
State Farm: Best for the largest number of policy options to bundle auto and home.
Nationwide: Best for offering the highest number of discounts with bundling.
Farmers Insurance: Best auto and home insurance bundles for customizable auto insurance policies.
Allstate: Best auto and home insurance bundles for overall coverage for homeowners insurance.
American Family: Best for lowest number of customer complaints.
Average Savings Up To
AM Best Rating
Additional Policies Offered
Available Nationally?
USAA
10%
A++
Exclusive coverage for service members and their families.
Only to active military, veterans and their families.
State Farm
$1,127
A++
Installing home-security devices, being claims-free for a determined period of time, and customer brand loyalty.
Yes, including Washington D.C.
Nationwide
20%
A+
Water backup coverage, equipment breakdown, and higher coverage limits for valuables.
Not available in Alaska, Georgia, Kentucky, Maryland, New Hampshire, and New Jersey
Farmers
20%
A
Life, pet or commercial insurance.
Not available in Alaska, Delaware, Hawaii, Maine, New Hampshire, Rhode Island, Vermont, Washington D.C., and West Virginia
Allstate
25%
A+
Allstate’s HostAdvantage home-sharing insurance to cover renters on your property.
Yes, including Washington D.C.
American Family
23-27%
A
Drains or backed-up sewer water damage; breakdown of major appliances.
Coverage available only in Arizona, Colorado, Georgia, Idaho, Illinois, Indiana, Iowa, Kansas, Minnesota, Missouri, Nebraska, Nevada, North Dakota, Ohio, Oregon, South Dakota, Utah, Washington and Wisconsin.
The Best Home And Auto Insurance Bundles in 2023:
Finding the best home and auto bundle insurance takes time and research. You have to assess what policies you currently have for your vehicle and home before figuring out the best way to bundle. Not all companies and policies are offered nationwide.
That means it is extra important to make sure you have coverage in your state. The best home and auto insurance bundles are the ones that save you money while giving you full protection on your property and vehicle.
Here are the top companies, along with their pros and cons, to give you an idea of which one offers the best auto and home insurance bundle for you and your family:
Pros
Available in all 50 states.
Highest rating for financial strength from AM Best.
Policies offered to active duty military and veterans, as well as their loved ones.
Cons
Lowest bundling discount compared to other companies.
Restricted to service members of the armed forces.
USAA members only qualify for discounts.
USAA: Best For Members Of The Military And Their Families
There is no better AM Best ranking for an insurance company than A++. USAA earns top marks for some of the best auto and home insurance bundles with financial stability to back it up. While their coverage is offered across all 50 states, it is reserved only for qualified military personnel and their family members.
Pros
Available in all 50 states.
Highest rating for financial strength from AM Best.
Policies offered to active duty military and veterans, as well as their loved ones.
Cons
Lowest bundling discount compared to other companies.
Restricted to service members of the armed forces.
USAA members only qualify for discounts.
State Farm: Best For The Largest Number Of Policy Options To Bundle
Coverage with State Farm runs nationwide. That even includes Washington D.C. Backed by an A++ rating from AM Best, customers can find the best auto and home insurance bundle at a significant discount. J.D. Power ranked their customer service scores higher than average in a recent study despite not offering 24/7 support to policy holders.
Pros
Available in all 50 states.
Highest rating for financial strength from AM Best.
Premium costs are lower compared to other companies.
Cons
Discounts limited across coverage.
Customers need to contact an agent to purchase a policy.
24/7 customer service is not offered.
Nationwide: Best For Offering The Highest Number Of Discounts With Bundling
If you love to bundle your auto and home insurance policies then Nationwide is the company for you. Their wide variety of coverage makes it easy to pick the ones that fit your lifestyle best and get a multi-line discount when you bundle them together. The bad news is that Nation’s prices tend to be more costly when compared to other insurance carriers.
Pros
Large number of policies offered.
High rating for financial strength from AM Best.
Home insurance policies include credit card fraud protection.
Cons
Not available in all 50 states.
24/7 customer service is not offered.
Customer satisfaction below average according to J.D. Power Home Insurance Study.
Farmers Insurance: Best for Customizable Auto Insurance Policies
Policyholders gave Farmers a big thumbs up when it comes to customer service. This despite higher than average annual premiums offered by other insurers. As the ninth-largest property and casualty insurer in the United States it can offer a sizable multi-line discount. That makes it one of the top companies to offer the best auto and home insurance bundles.
Pros
Top ratings for customer satisfaction.
High rating for financial strength from AM Best.
Top ratings for customer satisfaction.
Cons
Not available in all 50 states.
Higher premium costs on average.
Substantial percentage of customers do not renew policies.
Allstate: Best for Overall Coverage For Homeowners Insurance
Customers who combine their coverage with Allstate will find one of the most generous discounts out there. 25% off makes the savings one of the best auto and home insurance bundles out there. You might need it, too, because while Allstate offers more than fair pricing for property coverage, their auto policies tend to be on the pricey side.
Pros
Available in all 50 states.
High rating for financial strength from AM Best.
Significant bundling discount offered.
Cons
Available policy and coverage options might be limited state to state.
Higher premium costs on average for auto insurance.
Policies only available from in-network agents.
American Family: Best For Lowest Number Of Customer Complaints
One of the best home and auto bundle insurance companies is American Family. Just ask their customers who have the lowest number of complaints about their carrier. While coverage might be restricted to only a few states, it is hard to argue with multi-line discounts that are just under 30%. American Family is a small, but mighty insurer that offers some of the best home and auto insurance bundles.
Pros
Top ratings for customer satisfaction.
High rating for financial strength from AM Best.
Large number of policies and discounts offered.
Cons
Not available in all 50 states.
Need to meet requirements in most cases to buy accident forgiveness.
Limited coverage based on state.
Methodology
Our list is composed of the best auto and home insurance bundles with premium savings over 10%. Companies with an AM Best rating of “A” or higher were added to the rankings. Not all insurance companies offered the best car and home insurance bundle in each state. Additional policies and services were taken into account in order to offer customers the maximum amount of insured coverage with the highest multi-line discounts possible.
Author: Jason Morrison | June 30, 2023
