Insurance is one of those necessities that people often set and forget—until a rate increases or a claim arises. But one simple strategy can improve your protection and reduce your costs: bundling your home and auto insurance.
At DiStefano Insurance, we help individuals and families get the most out of their policies. Bundling is one of the easiest ways to save money and streamline your coverage—without cutting corners.
Here’s what you need to know.
What Does It Mean to Bundle Insurance?
Insurance bundling simply means purchasing multiple types of coverage—typically homeowners and auto insurance—from the same insurance provider. It’s also known as a “multi-policy discount.”
Many carriers offer significant savings when you combine policies, and the benefits go beyond just cost.
Top Benefits of Bundling Home and Auto Insurance
1. Lower Premiums
Most insurance companies offer multi-policy discounts that can save you up to 25% or more, depending on the provider and your personal profile. Over time, these savings add up.
2. Simplified Policy Management
Instead of juggling multiple bills, policy numbers, and contacts, bundling allows you to manage everything through one provider—making renewals, changes, and claims more convenient.
3. Streamlined Claims Process
If your car and home are both damaged in a single event (like a severe storm), working with one insurer can make the claims process faster and less stressful.
4. Stronger Customer Loyalty Perks
Some insurers offer additional loyalty rewards or deductible savings for bundled customers, such as accident forgiveness or claim-free bonuses.
5. Customized Coverage Options
When bundling with an independent agency, you’re not limited to one company’s products. We compare options across multiple providers to find the best combination of price, coverage, and service for your situation.
Is Bundling Always the Right Choice?
While bundling is beneficial for many, it’s not always the best option for everyone. Depending on your home value, driving history, location, and other factors, separate policies may offer better value or broader coverage.
That’s why it’s important to work with an independent agent who can provide an unbiased comparison and help you weigh the pros and cons.
Why Work with an Independent Insurance Agency?
Unlike agents tied to a single company, independent agencies work with a variety of top-rated insurers. We take the time to understand your needs and present options that give you the best return on your premium—whether that means bundling or not.
Our goal is to help you feel confident, protected, and well-informed.
Final Thoughts
Bundling home and auto insurance can lead to lower premiums, easier policy management, and improved customer service. But the best choice always depends on your unique situation—and that’s where we come in.
Want to explore bundling your home and auto insurance? Contact us for a free quote and personalized review. We’ll help you make the smart choice for your coverage and your budget.