Looking To Bundle Home And Auto? Here’s Who To Trust

Want to lower your monthly insurance costs without juggling multiple companies? Bundling home and auto insurance is one of the most popular ways to save—and for good reason. But with dozens of companies advertising discounts, how do you know which providers offer the best combination of savings, service, and flexibility?

Let’s take a closer look at some of the top names in the industry that offer reliable bundling options, what makes them different, and what you should consider before choosing the right one for you.

Why Do People Bundle Home And Auto Insurance?

Managing two separate policies can be confusing. With a bundle, everything’s in one place. You deal with one company, pay one bill, and often get a discount just for combining both policies.

But savings aren't the only reason people bundle. Some companies offer additional benefits, such as single-deductible claims or loyalty perks, when both policies are held under one policy. These can make a significant difference when unexpected events occur.

State Farm: Consistent Service And Solid Savings

State Farm is one of the most trusted names in insurance, and its bundling program reflects that. Customers who combine home and auto coverage can save up to 17%, depending on their location and coverage limits.

The most significant advantage of State Farm is its agent network. If you prefer speaking with someone in person rather than managing everything online, you'll find value in this approach. Their mobile app and website are straightforward, but what sets them apart is the personal service they provide.

Another plus? State Farm doesn't charge a cancellation fee if you switch mid-policy, which makes it easier to test them out. Their bundling is best suited for individuals who value dependable support and consistent claims handling, more so than rock-bottom prices.

Allstate: Tech-Friendly Features With Big Discounts

Allstate is another leading option for bundling. The company advertises discounts up to 25%, one of the highest savings rates in the industry. But what makes Allstate stand out isn't just the savings—it's the technology.

Features like the Drivewise® app reward safe driving habits. For homeowners, Allstate's digital tools include a home inventory tracker, which is helpful if you ever need to file a property claim. Their Claim Satisfaction Guarantee also adds a layer of peace of mind.

Allstate gives you room to tailor your policy, and that flexibility works well for households with multiple vehicles, smart home setups, or extra property protections.

Progressive: Custom Options And Competitive Prices

Progressive is known for its flexible approach and competitive rates, particularly for individuals who require non-standard coverage or prefer extensive customisation options. With bundle savings of up to 20%, it appeals to individuals who want value without sacrificing control.

Their Name Your Price® tool helps you find coverage within your budget, and the mobile app lets you manage both home and auto policies in one place. The company also offers accident forgiveness, small-claim forgiveness, and coverage options for rideshare drivers, which aren't as familiar with every insurer.

One thing to keep in mind is that Progressive operates more through direct online tools and less through agents. If you're comfortable with everything being digital, it's a great fit.

Nationwide: Simple Structure, Strong Discounts

Nationwide offers a very straightforward approach to bundling. The company is recognised for its straightforward policies and reliable customer service. Bundling both policies can bring you savings between 10% to 20%, depending on your state.

Nationwide’s standout feature is the Vanishing Deductible® program. Each year you stay claim-free, your deductible goes down by $100. This is especially helpful for families that haven’t had to file major claims in years.

The company also offers useful add-ons, such as equipment breakdown coverage, identity theft protection, and better roof replacement. If you're looking for clear policy language and fast claims resolution, Nationwide is worth considering.

Farmers: Personalised Support With Strong Local Presence

Farmers Insurance focuses on customisation and local support. Their agents are encouraged to tailor each bundle to your specific situation, which can be a big help if your needs don't fit a typical mould.

Their home and auto bundles may not always offer the deepest discounts (typically in the 10% to 18% range), but they compensate with strong policy features. Some plans include declining deductibles and claim forgiveness. The company also scores well in its handling of natural disaster claims, which is particularly important if you live in areas prone to storms or wildfires.

Farmers may not be the ideal choice if you're looking for the lowest price available, but for those who want in-depth help and personalised coverage, it's a dependable option.

Liberty Mutual: Flexible Tools With Reasonable Savings

Liberty Mutual offers comprehensive coverage options, paired with savings that typically range from 10% to 15%. While it doesn't always offer the highest bundle discount, it does provide several add-on benefits that may be worth the extra cost.

The app and website are well-designed, and Liberty Mutual provides policyholders with easy ways to update coverage, file claims, or track policy changes. Safe driving rewards and new car replacement are a few of the bonuses included in many plans.

One valuable perk is that Liberty Mutual also allows bundling with renters insurance, so if you don't yet own a home, you can still benefit from a bundle discount. It's a flexible choice, especially for younger households or people in transition.

Finding The Right Bundle For You

Every insurer has its own set of rules, features, and pricing formulas. That’s why it’s best to compare quotes from at least three providers before making a decision. What works for one household may not be ideal for another.

If personal service is your top priority, companies like State Farm or Farmers may be a good match. If you're looking for digital convenience, Progressive or Allstate may be a better fit for you. And if you're eligible, USAA should always be on your list.

A bundled policy can simplify your life and save you money—but only if it fits your needs. Take a moment to compare, ask questions, and carefully read the fine print. You'll thank yourself later.