Bundling Home and Auto: How Much Can You Save?

By McAdams Insurance Agency · August 2026 · 3 min read

Bundling means putting your home and auto insurance with the same carrier. It's one of the most common ways to lower your total insurance cost. Here's why it works and where it has limits.

Why carriers reward bundling

Carriers want to keep more of your business, so they offer a lower combined rate to keep both policies rather than risk losing you to a competitor. It also reduces their cost of acquiring and servicing a customer, some of which gets passed back to you as a discount.

What kind of savings to expect

Bundling discounts commonly fall somewhere in the 10–20% range off your combined premium, though the exact number depends heavily on the carrier, your location, and your specific policies. The only way to know your real number is to actually compare bundled quotes side by side.

It's not just about the discount

One carrier for both policies also keeps things simple: one login, one renewal date to track, and often one deductible if a single event (like a storm) damages both your home and vehicle.

When bundling might not be the best deal

Occasionally, a specific carrier has a great rate on auto but a mediocre rate on home (or vice versa), and splitting the two across separate carriers actually costs less overall than bundling with one. That's why shopping with an independent agent matters. We can compare both options instead of assuming bundling always wins.