Save an average of $736 by bundling home and auto insurance with SelectQuote.
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Compare Home and Auto Insurance Quotes to Maximize Bundle Savings
Combining your home and car insurance with one carrier is one of the quickest ways to protect your budget against rising 2026-2027 insurance premiums. As overall insurance costs increase across the country this year, shopping around for a single combined policy helps you lock in lower rates without giving up strong protection. Comparing home and auto insurance quotes gives you a clear look at your options, so you know you are getting the best possible price.
Understanding the Homeowners and Auto Multi-Policy Discount
A homeowners and auto multi-policy discount—often called multi-line discount insurance—is a special price cut carriers offer when you buy more than one policy from them. Because managing multiple policies for one customer reduces paperwork for the insurance company, they pass those savings on to you.
The Benefits of Bundling Your Auto and Home Insurance
Consolidated Billing: You get one carrier, one monthly payment, and one renewal date to keep your financial life simple.
Single Deductible: If a single event like a severe storm damages both your car and your house, many carriers let you pay just one deductible instead of two.
Streamlined Claims: Working through a single point of contact makes filing complex claims faster and much less stressful.
Tailored Coverage Options: Combining policies often unlocks access to higher liability limits and additional add-ons, such as roadside assistance.
Agent Support: You get personalized attention from an insurer who understands your complete coverage picture.
How much does bundling home and auto save?
The actual savings from combining your policies add up quickly in today's economy. While savings vary based on where you live and your driving history, using multi-line discounts helps keep more money in your bank account every month.
Average Home and Auto Insurance Rates
The cost savings of a home and auto insurance bundle help you stay on budget while keeping full protection. The following average monthly rates show what real SelectQuote customers pay across the country:
Coverage Type | Average Monthly Rate |
Average Home Insurance Rate | $125.38/month |
Average Auto Insurance Rate | $170.61/month |
Average Home and Auto Insurance Bundled Rate | $281.19/month |
2026-2027 Estimated Bundle Savings Example
Here is how the math breaks down for a typical policyholder combining separate policies in 2026-2027:
Separate Policies: Auto ($2,200/year) + Home ($1,800/year) = $4,000 Total
Bundled Policies (Multi-Policy Discount): Auto ($1,750/year) + Home ($1,557/year) = $3,307 Total
Total Annual Savings: $693 per year
Note: Your exact savings depend on your state, driving record, age of your home, and individual eligibility.
The SelectQuote Difference
SelectQuote customers save an average of $736 when they bundle their home and car insurance. With 40 years of experience, we shop the market across our network of recognized and trusted carriers. We do the heavy lifting to find you the lowest rates available, turning a complex shopping process into an easy choice.
Average Bundled Savings
$736
Average customer savings based on an average of new SelectQuote auto and home insurance policyholders between 6/1/2025 and 6/1/2026. Individual savings may vary and are not guaranteed. Coverages and discounts are subject to state availability and individual eligibility.
What to Know About Home and Auto Insurance Coverage Limits for 2026 and 2027
When you combine home and car insurance, make sure your coverage limits align. Inflation has shifted standard 2026-2027 deductibles, making older limits too low for complete protection. Adjusting your deductible—such as moving from a $500 deductible to a $1,000 or $2,500 home deductible—can lower your bundled premium even more while keeping your core assets safe.
Higher medical costs and home values in 2026 require higher liability limits to protect your savings. Raising your liability limits to $250,000/$500,000 for auto bodily injury and $300,000 or more for home liability gives you stronger protection against unexpected lawsuits.
Advanced Protection: The Umbrella Insurance Policy
The hidden benefit of umbrella policies is that carriers usually require you to max out your standard home and auto liability limits before you can buy a personal umbrella policy.
Bundling your main policies makes it much easier and more affordable to qualify for an extra $1 million to $2 million in catastrophic liability coverage. It adds peace of mind without breaking your budget.
Exploring Other Multi-Line Discount Insurance Combinations
You do not need to own a standard single-family home to save money with multi-line discount insurance. Here are other common coverage combinations:
Condo + Auto
Designed for condo owners needing interior walls-in coverage (HO-6) paired with vehicle protection.
Boat + RV + Auto
Protect your recreational vehicles and your primary automobile under one clear provider plan.
Multiple Vehicles
Insuring two or more cars at the same household address qualifies you for a multi-car discount.
Renters + Auto
Great for apartment renters who want personal property protection alongside auto insurance.
Pros and Cons: Should you always combine home and car insurance?
Decision | When It Makes Sense |
When to Bundle | You have a standard risk profile, want the convenience of one bill, and want an immediate drop in your total annual premium. |
When NOT to Bundle | You have a high-risk driving record (such as recent accidents or a DUI), but your home claims history is clear. Placing your auto coverage with a specialized high-risk carrier and keeping your home insurance with a standard carrier often yields a lower overall price. |
How to Compare Home and Auto Insurance Quotes Online
Shopping for new coverage online is straightforward when you follow these four simple steps:
Gather Your Documents: Keep your current policy declaration pages handy so you can compare limits apples-to-apples.
Determine Your Needs: Decide if your current coverage limits are enough or if you are ready to upgrade to an umbrella policy.
Submit Your Information: Enter your details once on an independent platform like SelectQuote to review rates from multiple carriers simultaneously.
Review with a Licensed Agent: Talk through your quotes with a licensed agent to make sure every discount is applied.
Digital Convenience vs. Agent Advocacy
Many insurance carriers push customers toward self-service apps to manage policies. While online apps are convenient, they will not help you shop around if your carrier raises your rates this year or next. SelectQuote offers the convenience of online quotes, combined with an independent agent who acts as your personal advocate. If your rates change in the future, we can re-shop your bundle across our network of trusted carriers to keep your price low.
Read Our Home and Car Insurance Reviews
FAQs When Bundling Auto and Home Insurance
What factors determine my bundled insurance rate?
In most states, your rates are based on your home's age and ZIP code, your driving record, past claims history, vehicle type, and your credit score.
When is the best time to bundle my insurance?
The best time to bundle is when you buy a new car or home, or when your current policy is up for renewal. Combining policies at renewal helps prevent coverage gaps.
What happens if I cancel one policy in my bundle?
If you cancel one of the policies, you will lose your multi-policy discount. This will raise the rate on your remaining policy, so it is smart to check the new cost before making any changes.
Are bundle discounts guaranteed to renew in 2027?
While multi-policy discount percentages usually stay on your account, base policy rates can shift over time. Comparing home and auto insurance quotes annually helps you keep the best available rate in a changing market.
What are the best home and auto insurance bundles available?
The best bundle depends entirely on your location, property, and vehicle needs. SelectQuote compares quotes from multiple recognized carriers to find the right mix of price and coverage for your situation.
What if I am not ready to buy more than one policy right now?
You can start with a single policy today and add your home or auto policy later on. Your carrier can apply the multi-policy discount as soon as the second policy goes into effect.
I already have bundled insurance–is it possible to save more money?
Yes. You can often lower your rates even more by adding home security systems, taking advantage of low-mileage discounts, or paying your premiums annually. Read our guide on how to maximize home and auto insurance discounts to learn more.
Is it really cheaper to bundle home and auto insurance?
Yes. Combining policies usually earns you a multi-policy discount, and SelectQuote customers save an average of $736 when they bundle.
Let SelectQuote Bundle Home and Auto Insurance to Save You Time and Money
Ready to see how much you can save? Our licensed agents are ready to walk you through your options and build a policy bundle tailored to your budget. Fill out our simple online form today to get your free home and auto insurance quote in minutes.
