Bundling Home and Auto Insurance — Without Leaving Money on the Table
Bundling home and auto insurance with the same carrier almost always produces a meaningful discount — typically anywhere from 10% to 25%. That part of the pitch is true. What captive agents rarely tell you is that the bundled price is only a bargain if the underlying policies are the lowest available for your specific risk profile. Bundle into the wrong carrier and you can still pay more than you would by holding two separate, well-shopped policies.
What we actually compare
- Liability limits on auto — most state minimums are dangerously low
- Dwelling replacement cost on home, not market value
- Personal property coverage limits and any sub-limits on jewelry or electronics
- Water backup, service line, and ordinance-or-law endorsements
- Loss-of-use coverage and the deductible structure on each policy
When bundling is the right call
If you own a home in Maryland, DC, or Virginia, drive standard vehicles, and have a clean claims history, bundling with a top-tier carrier will almost always win on price. If you own a rental property, drive a high-value vehicle, or have a recent claim, splitting the business between two specialty carriers can save thousands per year.
Because we are independent, we run your numbers across multiple carriers every renewal cycle. You should expect your broker to do the same — and if they are not, that is the conversation to have.
