Is Bundling Home and Auto Insurance in California Worth It?
If you are making payments on both a home and a vehicle, every dollar counts. That’s why you should look into bundling your home and auto insurance. Bundling allows you to take advantage of some special offers and streamline the communications process if you need to reach out to a representative for any reason. Whether you’re a new customer or have long been paying for one type of insurance, a discount for bundling home and auto insurance can enhance your coverage and help you save some cash at the same time.
The Basics of Insurance Bundling in California
While homeowners insurance isn’t required in California, many mortgage lenders require some sort of protection. Homeowners provides protection against many natural disasters like fires and damaging winds, as well as theft and vandalism.
Auto insurance is required by law in California. Evidence of auto coverage must be carried in your vehicle at all times and shown to law enforcement when requested. Insurance protects not only your vehicle but other people and vehicles that might be involved in an accident on the roads.
If you own a home and have one or more vehicles, it’s in your best interest to have both types of insurance. While you could have auto and home from separate companies, bundling your products can lead to significant long-term savings.
Why Home and Auto Insurance? Synergies That Lead to Savings
Bundling is when you buy both auto and home from the same provider. Not only does bundling policies from one provider enable you to save money in most cases, but it makes it easier to access and manage all your policy documents.
How to Choose the Right Bundle for Your Needs
If you are looking for a way to get the cheapest car insurance possible, bundling is one way to accomplish that. Before you can get a discount for bundling home and auto, you need to know what coverage is right for you. Not all coverage is created equal, and not every policy is right for your unique situation.
When evaluating what bundle is right for your needs, take time to thoroughly review every policy you might be eligible for. Read over the details and consider what features align with your home ownership and auto goals.
Maximizing Savings with Bundles
One of the most significant benefits of bundling is the multi-policy discount. You could save up to 25% with bundled home and auto, especially if you’re a long-time loyal customer with the company. Depending on the type of insurance you’re interested in, your premiums could go down each month, leading to substantial long-term savings.
Additional Benefits of Combining Home and Auto Policies
There are additional benefits to consider beyond saving money when bundling. When bundling, you can enjoy combined billing, which makes it easier to manage your payments and keep track of your finances. It can also reduce the amount of paperwork you have to deal with on a monthly or yearly basis.
Finally, bundling can also streamline the claims process, should you ever need to file a claim. Dealing with just one company makes communications much easier, allowing you to handle the necessary business and resume your normal life. All of this can reduce stress and make handling your insurance needs a joy rather than a burden.

Potential Drawbacks to Consider
Not every bundled home and auto package will suit your particular needs, and quotes can vary greatly depending on where in California you live, what you drive, and your driving history. Here are some things to consider when you compare quotes for a multi-policy discount.
- When you become unhappy with one policy, you usually have to change both.
- Bundling could make it less likely that you shop around for different policies in the case of a change in situation.
- Not every bundle offer provides significant savings.
Ultimately, even if your insurance company offers attractive bundle deals, for example, adding roadside assistance to save even more money, you should still do some research to ensure that a home and auto insurance bundle makes sense for you and your needs.
Limitations and Exclusions
Depending on the specifics of the policies you opt for, there could be some limitations or exclusions that apply to you. For example, it could be hard to make policy changes or updates to one of your premiums. This could make it hard for your insurance to grow with you over time.
Additionally, there could be some specific exclusions or limitations that might come standard in a standalone plan but aren’t included in a bundled policy. While not all of these will apply to you, it’s important to be aware of them so you can avoid any issues down the road. When in doubt, always write down your concerns so you can address them with your neighborhood agent.
Avoiding Common Pitfalls in Bundling Policies
Using one insurer to handle multiple policies is mostly beneficial to both sides. You get a cheaper price and they get less administrative costs to take care of you. Plus, it shows loyalty, which carriers really love.
However, you should know that there are some pitfalls in bundling. One is you may pay more for one of your policies in a bundle than you would if they were separate. For example, you’ve gotten a great deal on bundling your rental and car insurance, but the next time you shop rates, you notice that your renters is cheaper with someone else. Until your policy ends (monthly or semi-annually) you are stuck.
At Cost-U-Less, we are happy to help you shop around and compare costs from different companies, just to make sure you are getting the best deal.
Looking to Save Money on your Insurance? Start with a Free Quote Today and See How Much You Can Save!
Overall, combining more than 1 policy with the same insurer is a great money and time saver for most people. Now you know how that works, plus what the advantages and disadvantages are to purchasing a multi-policy package. At Cost-U-Less, we take the time to listen to your needs and do the research for you, coming up with several great options for you to choose from.
Contact us today at (800) 390-4071 or get a fast and free insurance quote online and learn more about our home and auto insurance bundles. You are also welcome to stop by one of our convenient locations.