When Should You Bundle Home and Auto Insurance Policies?

Bundling is the most common way Illinois families lower their insurance bill, and for good reason. But the size of the discount, and whether bundling is even your best option, depends on your home, your drivers, and the carrier. Here is when to bundle home and auto, and when to keep them separate.

How much does bundling home and auto save?

Most households save 5% to 25% on the combined premium by bundling home and auto with one carrier. The exact discount varies by company and state:

On an average Illinois home and auto premium, that can mean hundreds of dollars a year. See what Illinois homeowners pay to estimate your share.

The benefits of bundling beyond the discount

• One bill and one renewal to manage instead of two
• One agent who sees your whole picture and spots gaps
• A single-deductible feature on some carriers (pay one deductible when the same event damages your home and car)
• Loyalty perks like accident forgiveness and disappearing deductibles
• Easier claims when one company handles both

When bundling is NOT the right move

Bundling usually wins, but compare both ways when:

• You have a high-risk driver (recent DUI, multiple accidents); a specialty auto carrier may beat the bundle
• Your home is hard to insure (older roof, prior claims) and a specialty home carrier is far cheaper
• One carrier is strong on home but weak on auto, or vice versa

How a local independent agent gets you the best bundle

A captive agent can only quote one company's bundle. An independent agent shops your home and auto across 20+ carriers, compares bundled vs. separate, and handles the switch without a coverage gap. That is how you capture the full discount instead of the first one offered. If your renewal jumped, it may also be time to shop.

Work With Pro Insurance Group

Pro Insurance Group is an independent agency based in Elgin, Illinois, serving homeowners and families across the state and 40+ states nationwide. We compare 20+ A-rated carriers, re-shop your policy at every renewal to keep your rate competitive, and tailor coverage to your needs. No agency fees, ever.

Call 833-776-4671 or text "quoteme" to 312-878-9416.

Frequently asked questions