Best Companies to Bundle Home and Auto Insurance (How to Compare Bundles)
Last Updated on January 27, 2026
Bundling home and auto insurance can be one of the easiest ways to lower your total insurance bill. A multi-policy discount is common, and bundling can also simplify your life by keeping more of your coverage under one roof.
That said, not every “bundle” is a bargain. Some companies offer stronger home and auto insurance bundles than others, and sometimes a great auto insurer isn’t competitive on homeowners (or vice versa).
Below are some of the best companies to consider for bundling, plus tips to make sure you’re comparing apples to apples when you shop.
Key Takeaways
- Bundling home and auto insurance can lower your total premium, but the best “bundle” depends on your state, home type, and driving profile.
- Always match coverage (dwelling limit, deductibles, liability, endorsements) before comparing bundle prices.
- Some bundles place your homeowners policy with a partner company—confirm who underwrites the home policy and compare coverage details.
- Get at least three quotes, and consider adding an umbrella policy—stacking policies often increases total savings.
TL;DR — Start with these bundle quotes:
• USAA (if eligible): often a top value for both home + auto
• State Farm: strong “one-company” bundle + big agent network
• Travelers: great option if you want strong home coverage choices + umbrella add-ons
• Nationwide: solid national option with bundle potential in many states
• Erie (where available): frequently a standout value for service + total price
- How Home and Auto Bundling Discounts Work
- How to Compare Bundles the Right Way
- Best Companies to Bundle Home and Auto Insurance
- 1. USAA
- 2. State Farm
- 3. Allstate
- 4. Travelers
- 5. Nationwide
- 6. Progressive
- 7. GEICO
- 8. Farmers
- 9. Liberty Mutual
- 10. Safeco
- 11. Erie
- 12. MetLife (Legacy) / Farmers (Today)
- 13. Mercury
- 14. Farm Bureau
- 15. Esurance (Legacy) / Allstate (Direct Today)
- FAQs on Bundling Home and Auto Insurance
- Final Word on the Best Companies to Bundle Home and Auto Insurance
How Home and Auto Bundling Discounts Work
When you “bundle,” you buy multiple policies through the same insurer (or through the same insurer’s partner/affiliate). In return, you typically get a multi-policy discount, which may apply to your auto policy, home policy, or both.
Bundling usually includes:
- Auto + homeowners
- Auto + renters or condo
- Auto + home + umbrella (often the biggest overall discount potential)
- Auto + other policies (boat, RV, motorcycle, valuables)
Tip: a “bundle discount” isn’t always a single percentage. Some companies apply it as a flat discount, some apply it differently to each policy, and some only discount one of the two policies.
How to Compare Bundles the Right Way
| What to match | What to verify | Why it matters |
|---|---|---|
| Dwelling coverage (home) | Same dwelling limit (and same valuation method if shown) | Underinsuring can “look cheaper” until a claim happens |
| Home deductible | Flat $ vs. % deductible + any wind/hail/hurricane deductibles | % deductibles can be thousands more out-of-pocket |
| Liability limits | Auto + home liability limits match (and umbrella if adding) | Limits drive price more than many people realize |
| Key endorsements | Water backup, replacement cost, scheduled valuables, equipment breakdown, etc. | Bundles aren’t equal if coverage isn’t equal |
| Who underwrites home | Same carrier vs. partner/affiliate underwriting the home policy | Claims handling + coverage forms can differ by underwriter |
| Claims/renewal impact | Ask how a home claim can affect auto renewal (and vice versa) | Some insurers rate “account-wide,” others don’t |
| Total annual cost | Compare the full combined premium (not just “% off”) | The biggest discount doesn’t always mean the best total price |
Best Companies to Bundle Home and Auto Insurance
These insurers are commonly worth quoting for a home + auto bundle. Availability, discount size, and pricing depend heavily on your state and profile—so use this list as a starting point, then shop.
How We Chose These Bundle Candidates
We focused on insurers that are commonly competitive for both home and auto (not just one side), offer multi-policy discounts in many markets, and provide a reliable path to expand coverage (like adding umbrella or valuables coverage). Availability and pricing vary by state, so the goal is to give you a strong shortlist to quote—not a one-size-fits-all winner.
Quick Comparison: Best Companies to Quote for a Home + Auto Bundle
| Company | Best for | How home is typically handled | Notes to check |
|---|---|---|---|
| USAA | Military families who want strong overall value | Usually direct (eligibility required) | Confirm eligibility + compare deductibles/endorsements |
| State Farm | Shoppers who want one company + agent support | Often direct | Match dwelling limit + home endorsements before comparing |
| Allstate | Optional coverage add-ons + agent/direct options | Often direct (varies by state) | Pricing can swing by state—use as a key benchmark quote |
| Travelers | Home coverage flexibility + umbrella add-ons | Often direct (commonly via independent agents) | Great to compare through an independent agent |
| Nationwide | Well-rounded national option | Often direct | Confirm valuables/extra protection options in your state |
| Progressive | Strong auto pricing + easy online quoting | May be placed with a partner/affiliate | Verify who underwrites home + compare coverage forms closely |
| GEICO | Fast online quoting (auto-first shoppers) | Commonly partner-based for home | Underwriter + deductible structure matters a lot here |
| Erie | Great value + service (where available) | Direct/agent (regional availability) | Availability varies—worth checking if in-state |
1. USAA
USAA is consistently one of the best-rated insurance providers in the United States. The main drawback is that membership is restricted to military personnel, veterans (in many cases), and eligible family members.
If you qualify for USAA membership, it’s often one of the best places to start for a home + auto quote. USAA tends to balance strong coverage, competitive pricing, and solid customer satisfaction.
2. State Farm
State Farm is one of the biggest property and casualty insurers in the country, with a huge agent network and broad availability. It’s a popular option for drivers who want an agent and a straightforward bundle under one company.
State Farm is often competitive for both home and auto in many markets, which is what you want in a bundle (a great discount doesn’t matter if one of the policies is overpriced).
3. Allstate
Allstate is a strong bundling candidate in many areas, especially if you want optional home endorsements and multiple ways to buy (agent or direct, depending on location).
Allstate’s bundle pricing can vary a lot by state, so it’s best used as a quote comparison—not a “one-size-fits-all” pick.
4. Travelers
Travelers is often worth quoting for homeowners + auto, especially if you want a well-established carrier with strong home coverage options and the ability to add umbrella or valuables coverage.
Travelers bundles can also work well when you’re placing coverage through an independent agent who can compare multiple carriers for you.
5. Nationwide
Nationwide is a well-known national insurer with solid bundling potential. It’s often a good quote for homeowners who want optional coverage for valuables and added protection features, depending on what’s offered in your state.
6. Progressive
Progressive is known for competitive auto pricing and a flexible quoting experience. For homeowners, Progressive may place your home policy through an affiliate or partner, depending on your state—so be sure to confirm who is underwriting the home policy and compare coverage details.
If you sign up for Progressive’s Snapshot program, you may be able to stack additional savings on the auto side if your driving habits qualify.
7. GEICO
GEICO is a major auto insurer and can be a strong starting quote for drivers who want a fast online experience.
For homeowners, GEICO typically offers home insurance through partner companies in many states, meaning your auto policy may be with GEICO while your home policy is underwritten by another insurer. That can still be convenient—and still produce savings—but always compare the home coverage details carefully.
8. Farmers
Farmers is commonly a strong bundling candidate if you want agent support and a wide menu of optional coverages for both home and auto.
Farmers also offers telematics options like Signal driver tracking system discounts, which may provide additional savings if your driving behavior qualifies.
9. Liberty Mutual
Liberty Mutual is worth quoting if you want a large national carrier with a wide range of coverage options. Pricing can be higher in some markets, but bundling can improve the value—especially when you add renters/condo or umbrella coverage.
10. Safeco
Safeco (a Liberty Mutual company) is a common option through independent agents and can be a solid choice for bundling home and auto—especially if you like working with an agent who can compare several carriers.
11. Erie
Erie Insurance tends to rank well for customer service and claims satisfaction, and it can be an excellent bundling value—if it’s available in your state. Erie is a great example of a regional insurer that can beat bigger brands on total price and experience.
12. MetLife (Legacy) / Farmers (Today)
MetLife is no longer a major direct seller of new personal auto and home policies the way it once was. If you currently have a MetLife Auto & Home policy through an employer or affinity program, your coverage may now be handled through Farmers (depending on your situation and state).
In other words: for most shoppers, you’ll want to compare a modern Farmers quote for bundling. If you’re an existing MetLife customer, review your renewal documents and ask how your multi-policy discount and coverages carry over.
Some programs and discounts previously associated with MetLife (like telematics) have changed over time, so treat older marketing around apps like MyJourney as “legacy” information and confirm what’s available now.
13. Mercury
Mercury can be a strong regional option in certain states. If you live where Mercury is competitive, bundling home and auto (and sometimes adding umbrella) can produce meaningful savings.
14. Farm Bureau
Farm Bureau insurers are state-based, so the “best” Farm Bureau option depends on where you live (examples include North Carolina Farm Bureau and Georgia Farm Bureau).
If you have access in your state, Farm Bureau can be a great bundling quote—especially for homeowners who prefer local service and strong regional pricing. There’s often a small membership fee, but it can still be worth it if the bundled premium is lower overall.
15. Esurance (Legacy) / Allstate (Direct Today)
Esurance was built around online auto insurance and was part of Allstate for years. Today, the Esurance brand is largely a legacy option in most markets, and many shoppers will be better served by comparing an Allstate quote (or another major carrier) for a home + auto bundle.
If you’re an existing Esurance customer, keep an eye on renewal notices and any transition options offered. If you’re shopping new coverage, focus on carriers that actively write both policies in your state and offer strong support for claims.
FAQs on Bundling Home and Auto Insurance
Next step: Get at least 3 bundle quotes and compare the total annual cost only after you’ve matched dwelling coverage, deductibles, and key endorsements. If you need a walkthrough, start here: how to bundle auto and home insurance to save money.
Final Word on the Best Companies to Bundle Home and Auto Insurance
Bundling can save money and reduce hassle—but the best bundle is the one that combines good coverage with a good total price (not just the biggest “discount”).
Get multiple quotes, match coverage carefully, and don’t be afraid to use an independent agent if you want help comparing policies side-by-side. Request quotes from a few of the companies above to find the best home and auto insurance bundle for your needs.
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