By bundling your home and auto insurance, you could save money with a multi-policy discount.
What does it mean to bundle your home and auto insurance?
Bundling home and auto insurance is the practice of buying these two insurance policies from the same company. Many companies offer a discount when you buy multiple policies and the paperwork can sometimes be easier this way. People often ask, “Should I bundle my home and auto insurance?” There’s no one-size-fits-all answer, so let’s explore this more.
Consider bundling your home and auto insurance.
Many insurance companies will offer you a discount if you choose to get your home and auto insurance bundled with them. These discounts can run anywhere from 10% to 25% of the policy premium, which can result in significant savings. In addition, you may be able to pay the premium for the policies together, which adds convenience. Even if you do have to pay separately, just dealing with one insurance carrier can save you time when your renewal rolls around.
Check the individual policy prices and coverages.
The discount and the convenience of having your home and auto insurance bundled can be very enticing, but if savings are what you’re after, this may not be the least expensive option. Additionally, some companies may only bundle certain policies, leaving you buying more coverage than you need simply to get the bundled rate.
What does it mean to bundle insurance?
Bundling insurance means purchasing multiple insurance policies through one insurance company, which can make it easier to manage your insurance.
How much can you save by bundling insurance?
You may be able to get a multi-policy discount of anywhere from 10% to 25%, so bundling your home and auto insurance can help you save money on your coverage.
You can bundle auto insurance with renters insurance, too.
While home and auto insurance are commonly referred to together as an option to bundle, this doesn’t necessarily help someone who doesn’t own their home. If you have renters insurance (and you should), you may be able to bundle that policy with your auto policy as well.
Questions about bundling your home and auto insurance? Contact us today.
Auto Insurance FAQ
What auto insurance coverage is available in Pennsylvania?
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Liability (injuries/damage you cause to others)
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Collision (damage to your car from an accident)
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Comprehensive (non-collision events like theft, fire, weather)
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First Party Benefits (medical/ income loss/ funeral benefits/ etc)
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Optional add-ons (like roadside assistance or rental reimbursement)
What’s the difference between collision and comprehensive?
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Collision = accidents involving another vehicle or object
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Comprehensive = everything else (hail, theft, deer, vandalism)
How do auto insurance deductibles work in Pennsylvania?
Deductibles are the amount you pay out of pocket before insurance kicks in.
Example: $500 deductible = you pay $500, insurance covers the rest.
What is the difference between full tort and limited tort in Pennsylvania?
Pennsylvania drivers choosing full tort coverage keep unrestricted rights to sue for pain and suffering after an accident. Limited tort can lower your auto insurance premium, but it limits certain injury-related claims unless the injury is considered serious under Pennsylvania law. Choosing between full tort and limited tort is an important part of selecting the right Pennsylvania auto insurance coverage for your needs and budget.
Home Insurance FAQ
What does home insurance actually cover?
A standard policy typically covers:
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Your home (dwelling)
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Personal belongings
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Liability protection (if someone is injured on your property)
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Additional living expenses (if you can’t live in your home after a covered loss)
How much coverage do I need?
You should insure your home for replacement cost, not actual cash value.
What’s the amount it would take to rebuild your home today?
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Replacement cost = rebuild/replace with new materials
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Actual cash value = replacement cost minus depreciation
Replacement cost provides better protection.
Does home insurance cover water damage?
It depends:
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Yes: sudden/accidental issues (like a burst pipe)
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No: flooding or long-term leaks/neglect
Flood insurance is a separate policy.
What should I do if I have a claim?
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Prevent further damage if possible
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Document everything (photos/videos)
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Contact your insurance company promptly
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Keep receipts for repairs or temporary living expenses
Let’s Get Started
Home and Auto Insurance (Bundled) Quote Request
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