How to Get a Home and Auto Insurance Bundle to Save Money

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How much does bundling home and auto save?
How to get a home insurance and auto insurance bundle
How to save when bundling your insurance

Bundling policies represents one way to save money on home and auto insurance. When bundling, you acquire an insurance policy for both your home and car and the insurance company gives you a discount on both to reward you for doing so. But how much can you actually save by bundling, and what steps do you need to take to get a home and auto insurance bundle?

Here's the lowdown on bundled insurance packages, with help from car insurance app Jerry.

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How much does bundling home and auto save?

Home and car owners can save on average 16 percent when bundling insurance for both.

State	Percentage Saved by Bundling Home and Auto Insurance
Alabama	20.80%
Alaska	13.50%
Arizona	16.90%
Arkansas	22.40%
California	14.80%
Colorado	18.40%
Connecticut	12.70%
Delaware	15.90%
D.C.	15.40%
Florida	7.30%
Georgia	19.00%
Hawaii	11.20%
Idaho	19.30%
Illinois	23.30%
Indiana	21.20%
Iowa	21.10%
Kansas	22.10%
Kentucky	17.80%
Louisiana	19.70%
Maine	16.20%
Maryland	11.80%
Massachusetts	17.20%
Michigan	15.00%
Minnesota	19.80%
Mississippi	19.90%
Missouri	22.40%
Montana	17.10%
Nebraska	22.10%
Nevada	15.70%
New Hampshire	15.30%
New Jersey	11.20%
New Mexico	17.50%
New York	11.20%
North Carolina	13.80%
North Dakota	14.70%
Ohio	20.20%
Oklahoma	22.30%
Oregon	18.50%
Pennsylvania	16.90%
Rhode Island	13.40%
South Carolina	17.60%
South Dakota	20.70%
Tennessee	17.80%
Texas	17.30%
Utah	14.20%
Vermont	12.40%
Virginia	11.80%
Washington	14.20%
West Virginia	15.70%
Wisconsin	21.30%
Wyoming	14.20%

MORE: How to determine the market value of your home

How to get a home insurance and auto insurance bundle

When trying to bundle your home and auto insurance, you need to follow specific steps to ensure the most success. The following steps detail how to find the best home and auto insurance bundle for your needs.

Step 1: Determine the coverage you need. Determine how much coverage you need for your home and auto.

For your car, keep in mind whether you need just liability or if you also need comprehensive and collision coverage. Most states require a minimum amount of liability insurance, while if you owe on your car you probably need comprehensive or collision insurance. Some states also require drivers to carry uninsured/underinsured motorist coverage.

For a home, you need to determine the worth of your house and purchase the appropriate amount of coverage. In addition, you need to make sure that you also purchase liability insurance to cover any potential injuries incurred by individuals while on your property and insure any other buildings or structures on your property.

Step 2: Check out insurance companies. Next you need to check out insurance companies that will allow you to bundle home and auto insurance bundle (most do) to make sure they are financially stable and don’t have any formal complaints against them.

To check on the financial stability of an insurance company visit sites, such as:

You can also visit your state's Department of Insurance (DOI) to see if there are any complaints against the company in your area.

Step 3: Get quotes. Next you need to get quotes from a variety of insurance companies, making sure to click on the bundled coverage tab on their website.

Some of the more popular insurance companies that offer home and auto bundles include:

Step 4: Enter your information. Next, enter your personal information. The insurer's website should ask for specific information, including:

Name of the primary policy holder
Address of the primary policy holder
Birthday of the primary policy holder
Gender of the primary policy holder
Driver's license number for your car or cars
Specific information about the house you want to ensure
The name, birthday, and gender of anyone else on the policy

Step 5: Decide on a quote. The insurance companies you ask for a quote should respond to your query quickly, either by phone or email.

Compare the quotes you have received from the various insurance companies you queried.

Choose the one that offers the amount of coverage you want for a price that fits within your budget.

Pay attention to coverage amounts and deductibles to make sure they are what you want.

Step 6: Sign up and save. The last step includes signing up for the coverage you want.

If you plan on switching companies, make sure to notify your old insurance company, so that they can cancel your old policy and send you any refund owed to you for the unused portion of your insurance policy.

MORE: The 5 most common house liabilities

How to save when bundling your insurance

Bundling your home and auto insurance can save you money. Make sure when signing up that the insurance policy provides the coverage you need at a price you are happy with.

And if you want to find the best deal, try car insurance comparison and broker app Jerry. A licensed broker, Jerry does all the hard work of finding the cheapest quotes from the top name-brand insurance companies and buying new car insurance. Jerry will even help you cancel your old policy.

And to ensure you always have the lowest rate, Jerry will send you new quotes every time your policy comes up for renewal, so you’re always getting the coverage you want at the best price.

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