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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 home, auto, life and umbrella insurance can save up to 30% on their home and auto 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.

This information represents only a brief description of coverages, is not part of your policy, and is not a promise or guarantee of coverage. If there is any conflict between this information and your policy, the provisions of the policy will prevail. Insurance policy terms and conditions may apply. Exclusions may apply to policies, endorsements, or riders. Coverage may vary by state and may be subject to change. Some products are not available in every state. Please read your policy and contact your agent for assistance.

*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 may not apply to your policy and individual circumstances.

**Customers who bundle an auto policy with their home policy may save up to 23% on their auto policy (as of December 2023). Discounts may vary by state, property, policy form and company underwriting the policy. Discounts may not apply to all coverages on an auto policy.

***Customers who bundle their auto and renters insurance may save up to 5% on both policies together (as of December 2023).

†Customers who bundle home, auto, life and umbrella policies may save up to 30% on their home and auto policies together (as of December 2023). Discounts may vary by state, property, policy form and company underwriting the home and/or auto 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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