The Most Affordable Home Insurance Bundles: Save Big Without Cutting Coverage

Bundling your home insurance with auto—or even renters or life insurance—can be one of the simplest ways to save money without sacrificing quality coverage. But not all bundles are created equal. Some insurers offer generous discounts but lack flexibility, while others might have incredible customization options with only modest savings. The trick is knowing which company fits your lifestyle, budget, and needs best.

Today, competition among insurers to offer affordable bundles is fierce, which means consumers can take advantage of big savings—if they know where to look. Let’s dig into the most affordable home insurance bundles available, why bundling works so well, and how to make sure you’re not giving up valuable protections for a cheaper premium.

Why Insurance Companies Offer Bundles (And Why It Helps You)

Insurance companies love when you keep all your policies under one roof. From their point of view, you’re more likely to stick around if you’re managing multiple policies in one place. That loyalty gets rewarded with what’s often called a multi-policy or bundling discount. This discount usually applies to both the home and the auto portion of your coverage, reducing your monthly premium across the board.

For consumers, bundling simplifies your life. Instead of juggling two separate companies—two sets of billing, two apps, and two customer service departments—you manage everything through one provider. That can be a huge advantage when you need to file claims after a disaster that damages both your home and your car, like a major storm or flood.

How Bundling Translates to Real Savings

While discounts vary, the average bundling savings range from about 10% to 25%. That might not sound massive at first glance, but consider this: if your home and auto insurance each cost $1,000 a year, a 25% bundling discount could save you $500 annually. That’s money you could use for home upgrades, paying off debt, or just adding to your emergency fund.

Of course, the amount you save depends on your location, your coverage levels, your credit history, and even the condition of your home and car. For example, a driver with a clean record in a low-risk zip code might qualify for maximum savings, while someone with recent claims may only see a smaller discount. Still, even a modest discount can add up over time.

The Best Home and Auto Insurance Bundles Available

State Farm continues to be one of the most popular bundling providers thanks to its competitive discounts and wide accessibility. With an average bundling discount of up to 25%, it’s easy to see why so many customers choose State Farm for both home and auto. Their customer service is reliable, and they offer robust digital tools, including a highly-rated mobile app that lets you manage policies, file claims, and get updates in real time.

Progressive is another strong contender, particularly for people who want a more tech-friendly experience. Its bundling discount can reach up to 30%, which is among the highest in the industry. Progressive also stands out for flexibility—it partners with other insurers to build customized bundles, which is great if you have unique needs or additional policies like motorcycle or boat insurance.

Allstate offers a solid middle ground. It’s not always the cheapest, but its bundling discount is usually around 25% and it provides some of the most customizable coverage options available. Homeowners who want add-ons like identity theft protection or extended dwelling coverage will appreciate the choices. And while Allstate’s rates may be slightly higher upfront, the range of discounts (bundling included) helps bring the total cost down.

Nationwide tends to fly under the radar, but it offers a high-quality bundle with a discount of up to 20%. What makes Nationwide stand out is its additional perks. Features like Brand New Belongings, which replaces items at today’s cost rather than their depreciated value, can offer peace of mind that goes beyond just saving money.

If customer service is your top priority, Auto-Owners Insurance is a regional provider that consistently gets top marks for claims satisfaction and agent support. Its bundling discount tops out around 25%, making it a smart pick for those who prefer a more personal touch. It’s not available in every state, but if it operates in your area, it’s worth a serious look.

Lastly, USAA is a go-to for military members and their families. While its bundling discount is typically smaller—around 10%—its premiums are already among the lowest in the country. Plus, the company’s reputation for customer service and reliability is unmatched. For those who qualify, USAA is almost always a top-tier choice.

Comparing the Top Insurance Bundles

Here’s a side-by-side comparison to help you visualize the bundling discounts and strengths of each provider:

Insurance Company	Avg. Bundling Discount	Best Feature	Ideal For
State Farm	Up to 25%	Excellent customer service	Families, nationwide coverage
Progressive	Up to 30%	Tech-savvy tools, high flexibility	Online shoppers, multi-vehicle
Allstate	Around 25%	Wide customization options	High-value homes, add-ons needed
Nationwide	Up to 20%	Replacement cost coverage	High-limit insurance seekers
Auto-Owners	Up to 25%	Local agent support	Personalized service lovers
USAA	Around 10%	Best for military families	Veterans, active service members

Things to Watch Out for Before You Bundle

Bundling can save money, but it’s not automatically the best choice. In some cases, separate policies from different providers may offer better coverage or lower total costs. It’s important to compare quotes for both bundled and standalone policies to make sure you’re getting a good deal.

You’ll also want to read the fine print. Some insurers offer great first-year bundling discounts that fade away upon renewal. Others may provide less comprehensive coverage when bundled, which could leave you underinsured. Be wary of insurers who make it difficult to adjust one policy without impacting the other. Flexibility matters, especially when life changes—like buying a new car or moving to a new home—come into play.

The Smartest Way to Bundle

Shopping around is your best weapon when hunting for insurance savings. Get quotes from multiple providers and make sure each includes both bundled and unbundled options. Ask detailed questions about what’s included in the bundle, how claims are handled, and whether discounts carry over year to year. You can also use an independent insurance agent to do the legwork—they’ll be able to compare several insurers at once and explain the differences in coverage and pricing.

Also, don’t forget about stacking discounts. Some providers will let you combine bundling discounts with others for things like having a home security system, going paperless, or maintaining a good driving record. These extras can push your savings even further, all without compromising coverage.

Making the Most of Your Bundle

Bundling your home and auto insurance can be a powerful tool for cutting costs—often saving hundreds of dollars a year. Companies like State Farm, Progressive, and Allstate offer some of the highest discounts, while others like USAA and Auto-Owners bring unique value to the table through exceptional service and specialized perks. As always, the key to finding the most affordable bundle is comparison shopping, reading the fine print, and understanding exactly what you’re getting.

The good news? Whether you’re a homeowner in a big city, a military family on the move, or just someone trying to stretch your dollars, there’s a smart, affordable bundle out there for you.

Sources

• State Farm Home & Auto Insurance​
• Progressive Insurance Bundles
• Allstate Home and Auto Bundles
• Nationwide Insurance Bundling Options
• USAA Home and Auto Bundles​