Home Auto Policy Package

  Need to insure both your home and vehicle? A convenient way to save on both your home and auto insurance policies is to buy both from the same company, a strategy known as “packaging.”  While bundling your auto policy can give you a discount, it’s not always the best choice.  You may be able to get lower auto and home rates by buying policies with two separate insurance companies. To find out if bundling is right for you, our office compares car insurance rates with and without bundling your homeowners, automobile, or umbrella insurance. Bundling isn’t complicated. It simply means buying two or more insurance policies -- such as your homeowners and car insurance -- through the same insurance company.  Savings come in the form of a discount, usually applied to both policies, under the label “multi-policy discount” on your policy declarations page. 

Additional perks of bundling your insurance with one company:

• You deal with only one insurance company.
• You may be able to manage your policies online at the same place or through the same agent.
• It’s easier to identify gaps in your coverage.
• Depending on the company, you may be able to align the renewal periods and effective dates of both policies or combine your billing statements.

Why such a big break for multiple policies? It’s not just that insurance companies can make a profit off two policies. Customers who bundle are also seen as more likely to renew, and homeowners file fewer claims  on their auto insurance policies.