Home Insurance Bundles
Find the best home insurance bundles of 2024 from top-rated carriers.
Written by
Christine Lacagnina has written thousands of insurance-based articles for TrustedChoice.com by authoring consumable, understandable content.
Reviewed by
Paul Martin is the Director of Education and Development for Myron Steves, one of the largest, most respected insurance wholesalers in the southern U.S.
Buying homeowners insurance is an investment, just like your home was. But you can stand to save a great deal of money on your home insurance if you choose to bundle it with another coverage, like auto insurance, through the same carrier. Fortunately, there are many different options when it comes to bundling home insurance that can seriously reduce your premiums.
An independent insurance agent can help you find the right home insurance bundle for your needs. They'll help you get set up with two or more coverages you need from a trusted carrier. But for starters, let's break down home insurance bundles and a list of some of the best available options out there for 2024.
What Are Home Insurance Bundles?
The more insurance policies you buy through the same carrier, typically, the more you can save on each of the premiums. If you combine your home insurance and car insurance through the same carrier, they'll often bundle your premiums together as well and give you a great discount, say 10% to 20%, depending on the insurance company. Bundle options and premium discounts vary depending on who you go through.
What Home Insurance Bundles Are Available?
You can combine home insurance with almost any other type of insurance to create a bundle, depending on your coverage needs. A few of the most common groupings are:
- Home and car: Have a car and a house? You need to insure both, so you might as well save money while you’re at it.
- Home and life: This one’s a little trickier since life insurance sometimes works differently than property insurance and might be provided by a different company. But it can be done, and you can earn a nice discount if your carrier offers both coverages as a bundle.
- Home and business: Run a business and own a home? Again, you'll need to insure both. You can save a great deal on your premiums if you bundle home and business insurance.
An independent insurance agent can help you find a carrier through which you can easily bundle all of your coverages to earn a discount.
The Best Home Insurance Bundles of 2024
Though you can get home insurance bundles from just about any carrier, some insurance companies offer better quality coverage (and better savings) than others. That's why we've compiled a list of just a handful of the best home insurance bundle deals of 2024 for your convenience. Start shopping for deals by checking out these top-rated carriers first.
| Insurance Company | Bundle Discount | AM Best Rating |
|---|---|---|
| USAA | 10% | A++ |
| Allstate | 25% | A+ |
| Nationwide | 20% | A+ |
| Travelers | 12% | A++ |
| The Hanover | 21% | A |
1. USAA's Homeowners Insurance and Auto Insurance Bundle
Not only does USAA offer nationwide coverage and boast the highest possible rating of A++ for financial strength from AM Best, but they also offer a great home and auto insurance bundle. This bundle from USAA can save you 10% on your premiums.
Note, however, that you must be a USAA member to access this bundle offer. USAA's home coverage even offers an option to increase your ordinance or law coverage should your home ever not be found to be up to state code.
2. Allstate's Homeowners Insurance and Auto Insurance Bundle
Allstate also offers nationwide coverage and a fantastic bundle deal for home and auto insurance together. Bundling your home and auto coverage through Allstate can score you a whopping 25% discount.
Allstate has a history of solid financial strength in the industry and currently boasts an A+ rating from AM Best. The carrier also offers a lot of customizations and add-ons for both home and auto insurance, including classic car insurance, rideshare insurance for auto coverage, and identity protection plans for home coverage.
3. Nationwide's Homeowners Insurance and Auto Insurance Bundle
With coverage available in all but a handful of states, Nationwide is a trusted carrier by many folks across the country thanks to its A+ rating from AM Best. The insurance company's home and auto insurance bundle can save you up to 20% on your premiums.
Even better, Nationwide offers additional coverage options that aren't typically found by most carriers, including credit card protection. You can also increase your valuables coverage limits for your home insurance and enjoy other easy customizations.
4. Travelers' Homeowners Insurance and Auto Insurance Bundle
To start with, Travelers boasts outstanding customer ratings, fast online quotes, and an A++ rating from AM Best. But that's not all, since Travelers also offers bundle deals on home and auto insurance that can save you up to 12% on your premiums.
The carrier also provides a highly user-friendly experience for customers thanks to its mobile app. Customers can also enjoy additional discounts for having energy-efficient homes and receive additional claim payouts to rebuild their homes with eco-friendly materials after a covered disaster.
5. The Hanover's Homeowners Insurance and Auto Insurance Bundle
The Hanover keeps its customers happy by offering 24/7 customer service and claims reporting and maintaining an excellent financial strength rating. But the carrier also attracts customers thanks to its home and auto insurance bundle deal, which can save them up to 21%.
This bundle is known as The Hanover Platinum Experience and offers other rewards, such as safe driver discounts, accident forgiveness for auto coverage, and guaranteed replacement coverage for home coverage.
How Do I Get Home Insurance Bundles?
Bundling discounts offer great savings and are simple to get. Here’s how you can find a home insurance bundle from a carrier near you:
- Know your coverage needs: Do you already have a home insurance policy? What other policies would you like to bundle? Have this in mind before you start shopping for bundles.
- Talk to an independent insurance agent: Independent insurance agents are experts and have access to multiple insurance companies in your town. They know who offers which kinds of bundles and the option that can save you the most money overall.
- Compare wisely: Your independent insurance agent can provide you with multiple insurance quotes. They'll help you make an informed decision about which bundle deal you would benefit most from.
If you have any remaining questions about the process of buying home insurance bundles, your independent insurance agent can easily answer them for you.
Save on Home Insurance
Our independent agents shop around to find you the best coverage.
The Benefits of an Independent Insurance Agent
Now you know how bundles work, but your time is valuable. So why do all the hard work on your own? Independent insurance agents stay on top of the industry and all the latest discounts, so you don’t have to. That means they’ll help you find the right coverage at the right price.
They’re not just there at the beginning, either. If disaster strikes and you need to make a claim, they’ll help you meet deadlines and ensure you get all the benefits you’re entitled to.