The benefits of bundling your insurance policies

Why bundling insurance makes sense

Keeping track of multiple insurance policies can be a headache. Different due dates, different companies, and different fine print—it’s like juggling flaming torches while blindfolded. That’s why bundling your insurance is such a smart move.

When you bundle—say, home and auto insurance—you simplify your life and, most importantly, save money. But is bundling right for you? A Freshquote advisor can help you figure that out by comparing bundled and individual policies to see what works best for your needs.

What does bundling mean?

Bundling just means getting multiple types of insurance from the same provider. The most common combo is home and auto, but you can also bundle flood insurance, umbrella policies, and even boat or motorcycle coverage.

Insurance companies like bundling because it keeps you as a customer. And to sweeten the deal, they usually offer discounts, easier policy management, and sometimes even extra perks. But is it always the best move? A Freshquote advisor will investigate both bundled and separate policies to ensure you're getting the best value.

Why bundling your insurance is a smart move

1. You’ll save some serious cash

One of the biggest perks of bundling? Discounts. Most insurance providers knock anywhere from 10% to 25% off your total bill when you bundle.

Think of it like buying in bulk—except instead of a 10-pound tub of peanut butter, you’re getting savings on something you actually need.

2. One company, one point of contact

Ever tried dealing with two different insurance companies at the same time? It’s like getting two customer service reps on a call and making them argue over who’s responsible.

Bundling means one company, one bill, one renewal date, and way less hassle. Some insurers even offer single deductibles, meaning if the same event damages both your car and home (say, a big storm), you might only pay one deductible instead of two. This can be a huge advantage when deciding whether bundling is right for you.

If you’re unsure about how deductibles affect your overall insurance costs, check out this guide on choosing the right deductible. Understanding the difference between high and low deductibles can help you make a smarter bundling decision.

3. The claims process gets easier

Insurance claims are already stressful, so why make them harder? When you bundle, your insurance provider already has your info, knows your coverage, and can process claims faster. That means fewer hoops to jump through when you need to file.

Plus, bundling can sometimes get you extra coverage options that aren’t available if you buy separate policies. More protection, less paperwork—sounds like a win.

4. Some providers throw in extra perks

Every insurance company is different, but some offer bonus incentives for bundling—like accident forgiveness, better rental car coverage, or even free roadside assistance.

It’s worth asking what extras come with bundling because sometimes, those little perks can save you even more money in the long run.

When bundling doesn’t make sense

Okay, so bundling isn’t always the magic answer. Sometimes, keeping your policies separate is actually the better move. Here’s when:

• Another provider offers a much better deal – Sometimes, the discount for bundling isn’t enough to make up for cheaper individual policies elsewhere.
  
  
• You have unique insurance needs – Got a classic car? Need high-risk flood insurance? Some specialized policies aren’t available with every provider.
  
  
• One company isn’t great across the board – Maybe they have fantastic home insurance but meh auto coverage. In that case, splitting policies might be smarter.

A Freshquote advisor can review multiple insurance companies to ensure bundling is truly the best option for you.

How to know if bundling is right for you

Still not sure if bundling is the way to go? Ask yourself:

• Are you looking for lower premiums?
  
  
• Do you want fewer bills and less hassle?
  
  
• Would you rather deal with one insurance company instead of two or three?
  
  
• Is your current insurance provider offering a solid bundling discount?

If the answer is yes, bundling might be the right move. But before you start clicking “sign me up,” let a Freshquote advisor compare bundled and individual policies for you to make sure you're truly getting the best deal.

Let a Freshquote advisor find the best deal for you

Sure, you could spend hours researching different companies, comparing quotes, and figuring out what discounts apply to you. Or, you could let a Freshquote advisor do it for you—saving time and, most likely, money.

Connect with an Expert today to see if bundling makes sense for you. Because keeping things simple and saving cash? That’s a win-win.