Is bundling insurance worth it?

Overview: Bundling insurance policies with one provider may offer financial and practical benefits. By combining multiple policies, you can stack discounts and potentially save hundreds annually. Beyond cost savings, bundling provides digital convenience through unified billing, one login and streamlined claims processing. Whether you’re a new homeowner, a young professional or an expanding family, bundling simplifies insurance management while helping protect your possessions.

Bundling isn’t just industry jargon for “buying more.” It’s a strategic financial move. When you bundle insurance, discounts and cost reductions may be combined. That means the more products you add to a bundle, the more the savings^{footnote 1} may grow.

However, money isn’t the only thing you save. When you bundle, you consolidate your insurance into one digital hub, resulting in potential time savings and fewer hassles.

The digital convenience advantage

With a renters and auto insurance bundle, for example, you could save up to $900 per year^{footnote 2}, plus gain other possible advantages such as:

• One login — no more toggling between different apps to pay bills or check coverage limits.
• Unified billing — simplify your monthly budget with a single view of your insurance expenses.
• One mobile app — file a claim, request roadside assistance or download I.D. cards from one place.
• Streamlined claims process — file claims in one location when a single event damages both your home and auto.
• Single point of contact possible — one agent to address all your insurance needs.

With many insurance companies encouraging bundling insurance policies, you won’t be surprised to learn that we recommend you bundle with State Farm® Insurance. A State Farm agent can help you do just that.

Real-world scenario: The one call advantage

Imagine you’re buying a home for the first time. During this process, you call your insurance agent (the same person who has handled your auto insurance for years) to ask about purchasing a homeowners insurance policy. After congratulating you, your agent informs you that bundling a homeowners policy with your existing auto policy offers savings. (If your agency is State Farm, that savings could be as much as $1,429^{footnote 2}). Your agent also tells you about a safe driving program they offer that could unlock even more discounts on top of you bundle savings.

But the benefits don’t stop there. Your agent lets you know you’ll gain the convenience of managing your homeowners and auto policies in one place, from viewing bills to making claims and more.

Bundling for every life stage

Since most states require drivers to purchase auto insurance, that will most likely be the first policy in your bundle. From there, it just depends on what you need.

FAQs about bundling

Here are the answers to a couple more commonly asked questions.

• Can I bundle if I already have an auto policy with State Farm? Yes, you can. Call your agent to add home, renters or life insurance to your existing policy, and the multiline discount will apply.
• Does filing a claim on my home affect my car insurance rates? Generally, no. While both policies are with your insurance company, they are rated separately. A claim on your roof typically won’t spike the price of your auto insurance premium. Consider checking with your agent for more details.

How do I start?

Speak with your agent.

Don’t have one? You can contact one of our State Farm agents today. For over 100 years, we’ve been helping people save money as they manage the risks of everyday life. We can help you, too. Like a good neighbor, State Farm is there.