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Your In-Depth Guide to Bundling Insurance

Updated April 4, 2021 . AmFam Team

What is bundling insurance? How do insurance bundles work? Should I bundle home and auto insurance? We address the big questions and show you how to save here.

You have many options for keeping your rates down. One example is maintaining a good driving record. Another is installing smart devices in your home. Even your approach to getting insured can help too.

Bundling insurance products is one of the easiest ways for you to save on your coverage. In this in-depth breakdown, we’ll look at how you can bundle just about any of your policies and earn a discount for your savvy choice.

What Is Bundling?

Bundling insurance is when you buy multiple types of insurance policies from the same provider. That means all your insurance policies — like your car, home, motorcycle, life, boat or recreational toys — are located in one place. This option makes insurance more convenient and less complicated. More appealing still is that bundles may come with discounts. They’re less expensive together than getting the policies separately.

How Does Bundling Insurance Products Work?

No matter which policies you decide to bundle, they’ll remain separate in practice and operate independently to provide coverage. For example, imagine a person hitting a house with their car. Their home’s personal liability coverage wouldn’t cover that event. Instead, the property damage liability coverage under their auto policy could help pay for it.* That could be the case even if this person bundled their home and auto insurance.**

How to Bundle Insurance & Save

It doesn’t matter if your home is a house, condo, apartment or manufactured home. Wherever you live, you can enjoy the convenience of insurance packages and any applicable discounts. American Family Insurance agents know our products inside and out. They can help you identify what’s best for your situation. If you want to know how to bundle home and auto insurance, or any other combination, here’s a quick guide.

Step 1. Gather your current insurance information

You should have your current policy at hand as you search for a new one. Otherwise, how will you know if any coverage options you find offer an improvement? Pull up your account with your current provider and have all the details ready. If it helps, make a chart and put your current insurance information in the first column.

Step 2. Get quotes online

How can you learn which providers are the best for bundling insurance products? Simple: ask what they have to offer you. Look for popular insurance providers whose coverage extends to your area of residence and request a quote.

Step 3. Compare the quotes

If you want to know how to get the best insurance bundle rates, don’t just look at the price tags. Compare quotes by looking at what each quote will give you for your money. Is it better to bundle car and home insurance from Provider A if Provider B’s more expensive plan offers more coverage? That depends on whether you truly want that extra protection. Take the comparison process lightly at your own risk. It’s often better to work with an agent to help you understand what each coverage is and how it protects you.

Step 4. Make your decision & switch

Compare all you want with as many companies and policy plans as you want. At some point, though, you must make a choice. Your insurance bundle should be affordable while also covering a swath of plausible events that you wouldn’t want to pay for out of pocket. Insurance agents can provide expert guidance on how to shop for a bundled insurance deal.

How Much Can You Save By Bundling?

At American Family, there are many ways you can save by bundling insurance. Here are just some of the most popular options.

Home & auto insurance bundle

Our most common insurance bundle, combining your home and auto coverage can save you up to 23% on both policies together.**

Auto & renters insurance bundle

Protecting your valuables and your car can lead to savings. Customers who bundle their auto and renters policies can save up to 5% on both policies together.***

Car & motorcycle insurance bundle

You can score discounts when you bundle insurance for your different vehicles. Learn more by checking out our auto insurance and motorcycle insurance pages.

Home, auto, life & umbrella

Four different types of insurance are available together at a potentially steep price cut. Customers who bundle umbrella, motorcycle, auto and home insurance can save up to 30% on their auto and home policies.†

Learn More About How to Bundle Insurance with American Family

We want to help you get on the path to finding the insurance coverage that’s just right for you. To that end, American Family offers the following online tools:

Find an agent. Get the expert help you deserve from an agent near you using our insurance agent locator.

Get a quote. Get a quote on any of our products with our insurance quote request form.

Life insurance calculator. Estimate the right life coverage based on your needs using our life insurance calculator.

Get in the know. Want to learn more about bundling? Check out our insurance bundles FAQs.

You can enjoy many benefits from bundling your insurance policies under one roof with American Family Insurance. One example is savings. Another is the convenience of one-stop shopping. Best of all, you'll receive outstanding service no matter how you interact with us. Reach out online, on the phone or through your American Family Insurance agent.


This article is for informational purposes only and includes information widely available through different sources.

*Discounts may vary by state, property, policy form and company underwriting the auto and/or home policy. Discounts may not apply to all coverages on an auto or property policy. Speak with an agent to learn more about the details of your policy and how discount may or moy not apply to your policy and individual circumstances.

**Customers who bundle auto and home insurance policies may save up to 23% on both policies together (as of July 2022). Discounts may vary by state, property, policy form and company underwriting the auto and/or home policy. Discounts may not apply to all coverages on an auto or home policy.

***Customers who their bundle auto and renters policies may save up to 5% on both policies together (as of January 2022).

†Customers who bundle umbrella, motorcycle, auto, and home policies may save up to 30% on their auto and home policies together (as of July 2022). Discounts may vary by state, property, policy form and company underwriting the auto and/or home policy. Discounts may not apply to all coverages on an auto or home policy. Discounts do not apply to umbrella or life insurance policies.

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    Is Bundling Insurance a Good Idea?

    Having insurance is an easy decision. After all, it protects the things you work so hard for in life. Between your car, home and even your family's financial well-being, you have a lot to protect. Bundling insurance can make things simple by putting multiple types of coverages under one plan by one provider. It’s a good idea on paper, but is bundling insurance a good idea for your unique situation? Read on to learn how to make the smart choice.

    What is Bundled Insurance?

    You might not even be ready to ask, “Should I bundle home and auto insurance?” We should first answer a possibly more pressing question: “What is bundled insurance?” Simply put, bundling insurance means buying multiple types of insurance policies from one provider. The provider may offer to place some combination of your car, home, rental, umbrella, life, boat, RV, or other coverages under one plan.

    The Benefits of Bundling Insurance

    With that crucial first question answered, you might now be asking: “Why bundle insurance?” There are plenty of benefits, and we’ll go over some of the more popular reasons below.

    1. Bundling saves you time

    With our multi-product discount, you can save on your premium. It could apply if you bundle motorcycle and renters insurance, life insurance and RV, or just about any insurance you have. For example, you can save up to 23% by bundling home and auto insurance policies.*

    2. Bundling saves you time

    Managing even a single insurance policy involves a great deal of responsibility. You must ensure you have the right amounts and types of coverage, track your renewal dates, and make payments. Now imagine trying to balance multiple policies with multiple providers. Bundling puts everything together under one provider, easing the burden.

    We make it even easier with the MyAmFam app. It lets customers view their premiums, effective dates and policy info all in one spot. It’s quick and easy to manage your insurance and pay all your policies at once. You can even set up AutoPay and schedule payments within the app. That way, you’ll never have to worry about missing a payment. Download it and sign up for My Account.

    3. Bundling makes the claims process easy

    If a covered event causes damage to more than one of your belongings, you won’t have to call multiple numbers. You’ll have one number for one insurance company, which can begin the claims process for all your belongings that need restoration.

    Filing claims is easier at American Family Insurance with the MyAmFam app or My Account. You can easily file your claim anywhere at any time and track its status across every step. Our 24/7 claims department is always ready to help you get your life back on track.

    4. Your agent is your bundling expert

    When you bundle, your agent gets to know you and your insurance needs. They’ll identify any gaps in your coverage and make recommendations, so you’ll be protected against the unexpected.

    Is Bundling Right for You?

    The benefits of bundling insurance can be a big deal. Even so, be careful about jumping right into it. “Is bundling insurance a good idea?” isn’t always an easy question to answer. Like anything involving coverage, it’s worth thinking about what is best for you. You should at least compare rates — which means more than seeing which price tag’s number is bigger.

    More important is determining which one gives you more for your money. The coverages included in insurance bundles may be less than what you’d get from purchasing them individually. They might not even have the same insurance company underwriting and servicing your policies, which could mean an inconsistent level of service. Whatever your decision, make sure it’s an informed one based on the pros and cons of bundling your insurance.

    Bundle Your Insurance with American Family

    When you have a lot to protect, it makes sense to bundle. Your American Family Insurance agent can help get you started. Connect with yours today and learn how much you can save bundling your home and auto insurance. You’ll get the protection you need and the peace of mind you deserve.

    This article is for informational purposes only and includes information widely available through different sources.

    *Customers who bundle auto and home insurance policies may save up to 23% on both policies together (as of July 2022). Discounts may vary by state, property, policy form and company underwriting the auto and/or home policy. Discounts may not apply to all coverages on an auto or property policy.

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    Whether you’re found at fault for a multi-vehicle crash on the interstate, or a guest slips and falls down the icy steps outside your home — the added coverage in an umbrella policy can kick in and help cover any remaining costs should the liability limits on your underlying car or homeowners max out.

    And umbrella insurance coverage doesn’t stop there. Liability lawsuits can come in many forms and the hefty financial judgements that frequently accompany them can also drain your savings. Today, let’s take a closer look at umbrella insurance to help you understand how this coverage can help protect your financial dreams and everything you’ve worked so hard for.


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    You’ve probably heard the saying, “the early bird gets the worm.” But what does that mean for Americans who file their tax returns early?

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    What Is Tax Identity Theft?

    Tax return identity theft is the act of filing a return using a stolen identity and taking the victim’s refund.

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    Dog Liability Insurance for Homeowners

    Whether you raised him from a pup or adopted her later in life, you don’t just view your dog as a pet: you consider them a member of your family. According to a survey by the American Pet Products Association, almost 90 million dogs are owned as pets in the United States — and while your dog offers a whole lot of love and laughter, they can also be a potential liability. Luckily, we offer dog-friendly homeowners insurance.

    At American Family Insurance, we love pets and understand that they’re part of your household. That’s why we want to make sure you understand exactly how your dog affects your homeowners insurance and ensure that you have the proper protection in place not only for your home, but for your dog, too.

    Is My Dog Covered by My Homeowners Insurance?

    Whether or not your dog is covered by your homeowners insurance depends on who you have as an insurance provider. With American Family, your home, renters, manufactured home or condo policy will provide dog liability coverage — a form of financial protection against liability claims, including lawsuits for accidental bodily injury or damage to someone’s property. This includes paying for medical expenses if your dog injures someone or helping cover costs if your dog destroys someone else’s property.

    It's important to note that your homeowners insurance won’t cover damage done by your pets to your own home, such as if your dog chews a hole in your sofa or scratches your doors or woodwork. And, keep in mind, your homeowners policy doesn’t cover injuries to you and the residents of your household. It only pays for injuries to others.

    Need insurance for your dog? Consider pet insurance from an American Family Insurance agent to help you care for your pet through all stages of its life.

    We also offer a special add-on pet coverage that provides up to $1,000 for veterinarian services, final expenses (like burial or disposal fees) or the cost to replace your dog if death occurs. This coverage is applicable after a covered property loss.

    Does Homeowners Insurance Cover Dog Bites?

    Whether you’re walking your dog through the park or at home playing in the yard, the liability portion of your homeowners insurance policy will help cover you if your dog bites someone or if they bite another dog.

    Remember, a dog can bite out of fear, to protect their territory, to correct another dog’s behavior or for several other reasons. Because dog bites occur for a variety of reasons, keep these tips in mind to prevent your favorite family pet from biting:

    • Keep your dog on a leash.
    • Don’t leave your dog unattended with strangers or children.
    • Make sure people respect your dog’s space.
    • Spay or neuter your dog — this helps reduce their desire to roam and fight with other dogs. According to the National Canine Research Foundation, neutered dogs are three times less likely to bite.
    • Socialize your dog. Introduce your dog to many people and situations so it isn’t nervous or frightened under normal social circumstances.
    • Enroll your pooch in a dog training class. Not only does it help your pet learn better behaviors, but it teaches you to be a good pet owner, too.

    And it’s not just bites that cause liability incidents — if your overly excited pup jumps on someone, knocks them over and breaks their wrist, you’ll be able to cover their medical expenses with the help of your liability coverage.

    How Much Coverage Do I Need for My Dog?

    Your homeowners policy has a liability “limit” that, in the event of a loss, will cover up to a certain dollar amount. Your liability limit is the amount available to cover anything from a dog bite to your neighbor slipping and falling on your icy steps. To understand your potential pet liability cost and the amount of coverage you need, think about the amount it may cost for medical expenses and if someone were to sue you. Sometimes this number is well into the six figures! For instance, if your liability amount is $300,000 but your dog bit someone and medical expenses and legal fees came to $500,000, you’ll be responsible to pay the remaining $200,000.

    If you want to ensure you have adequate coverage in place, an umbrella policy is an added layer of protection which provides a much higher level of coverage to financially protect you from unexpected incidents with your dog.

    Homeowners Insurance Dog Breed Restrictions

    Unfortunately, not all dogs will meet the criteria to be included under a policy. While most dog breeds won’t impact your eligibility for homeowners coverage, there are some breeds that require additional considerations, such as whether your yard is fully and securely fenced. You must also provide certain documentation to be considered eligible, like evidence of up-to-date annual vaccines and proof that your dog has been spayed or neutered.

    It’s also important to note that, depending on your dog’s prior history (e.g. history of biting, if they were trained or used as an attack or guard dog), they might be subject to a dangerous dog liability limit that reduces their liability coverage for losses to $25,000.

    Your American Family Insurance agent can help you determine the specific requirements for insurability based on the breed of your dog.

    At American Family, we want to help protect all the things that matter most to you. Connect with your agent and gain peace of mind that you have the right coverage in place for your four-legged friend.

    This article is for informational purposes only and includes information widely available through different sources.