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When Should You Bundle Home and Auto Insurance Policies?

Dave Rysavy : Updated on October 4, 2026

Homeowners Insurance Auto Insurance

When Should You Bundle Home and Auto Insurance Policies?

Quick Answer: Bundling your home and auto insurance with one carrier typically saves 5% to 25% on the combined premium, and often improves coverage with a single deductible and fewer gaps. It is the right move for most households, but not all. If you have a high-risk auto or a hard-to-insure home, separate carriers can occasionally beat the bundle, so it pays to compare both ways.

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.

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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:

What you bundle	Typical combined savings
Home + auto	5% to 25%
Home + auto + umbrella	Often the highest multi-policy discount
Auto + renters or condo	Smaller, but still 5% to 15%

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 do I know if separate is cheaper?

Get both quotes: the bundled price from one carrier, and the best standalone home price plus the best standalone auto price. An independent agent can run both comparisons at once, so you see the real number instead of guessing. In most cases the bundle wins, but the only way to know is to compare.

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.

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Call 833-776-4671.

Frequently asked questions

How much can I save by bundling home and auto?

Most households save 5% to 25% on the combined premium. Adding an umbrella often unlocks the largest multi-policy discount. On an average Illinois premium that can be hundreds of dollars a year.

Is it always cheaper to bundle home and auto?

Usually, but not always. If you have a high-risk driver or a hard-to-insure home, a specialty carrier can sometimes beat the bundle. Compare bundled vs. separate to be sure.

What does bundling home and auto include?

Both policies with one carrier, one bill, one agent, and often a single-deductible feature plus loyalty perks like accident forgiveness. Some carriers also bundle umbrella, renters, or condo.

Can an independent agent bundle my home and auto?

Yes. An independent agent shops your bundle across many carriers and compares it against separate policies, so you get the biggest real discount, not just one company's offer.