Best Companies to Bundle Home and Auto Insurance (How to Compare Bundles)

Last Updated on October 4, 2026

By James Shaffer Reviewed by Thomas Rockford, insurance industry executive and financial analyst, on October 1, 2026 How we fact-check

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.

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): ranked highest in three regions of J.D. Power’s 2026 auto insurance study

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)	Sold in 12 states and D.C.—worth checking if in-state

1. USAA

USAA sells home and auto insurance to its members, and CNBC Select reports that bundling the two can save up to 10%. 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 the largest property and casualty insurer in the country by premiums written, according to the NAIC’s 2025 market share report. It has 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 says its home policies are provided and serviced by affiliated and third-party insurers—so be sure to confirm who is underwriting the home policy and compare coverage details. Progressive says bundlers save an average of 5% on auto in most states.

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 sells home insurance through the GEICO Insurance Agency, which places policies with partner companies, 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. Signal isn’t available in Florida, Hawaii or New York, and the Signal discount isn’t available in California.

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. Liberty Mutual says new customers who switched and reported savings on home and auto saved $950 a year on average.

10. Safeco (Now Liberty Mutual)

Safeco was Liberty Mutual’s brand for independent agents. Liberty Mutual retired the Safeco name on April 25, 2026, and those home and auto policies are now branded Liberty Mutual. You still buy them through independent agents, which 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 ranked highest in the Mid-Atlantic, North Central and Southeast regions of J.D. Power’s 2026 U.S. Auto Insurance Study and second among homeowners insurers in J.D. Power’s 2026 home insurance study. It can be an excellent bundling value—if it’s available in your state. Erie operates in 12 states and Washington, D.C. 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 sold its auto and home insurance business to Farmers in April 2021. If you had a MetLife Auto & Home policy through an employer or affinity program, it’s now a Farmers policy. Farmers products are still offered through MetLife’s workplace benefits platform.

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 (North Carolina Farm Bureau’s is $25 a year), 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 is still an Allstate company. Allstate announced in December 2019 that it would phase out the Esurance brand and sell direct under the Allstate name. Esurance.com still offers quotes, but 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

How much can I save by bundling home and auto insurance?

Savings vary widely by state and insurer. A 2026 Insurance.com rate study found an average saving of about 15%. Insurers’ own figures range from Progressive’s 5% average on auto to Allstate’s 20% average (which includes a new-customer discount) and Nationwide’s “up to 20%.” The key is to compare the total bundled cost versus buying comparable coverage separately—sometimes the “discount” is big, but one policy is priced higher.

Is it always cheaper to bundle?

No. If a company is great on auto but expensive on home (or vice versa), the bundled total may be higher even after a discount. That’s why it’s smart to compare: (1) bundled quote, (2) separate quotes from two companies, and (3) at least one other bundle competitor.

Can I bundle if my homeowners policy is through a partner company?

Yes—some insurers bundle by placing your home policy through an affiliate or partner while they write your auto policy. You can still save money and simplify billing, but you should confirm who underwrites the homeowners policy and compare coverage terms, deductibles, and claims handling.

Do I need the same renewal date for both policies?

Not necessarily. Many insurers can start the policies on different dates and still apply a multi-policy discount. Some companies may offer easier billing or better discounts when policies share the same effective date, so it’s worth asking what’s best in your situation.

Will a claim on my home insurance raise my auto insurance rate?

It depends on the insurer and state. Some companies evaluate overall risk across your account, while others rate each policy more separately. If you’re concerned, ask the agent or insurer how home claims can affect renewal pricing on your other policies.

What’s the best way to shop for a bundle?

Start by choosing the coverages you actually want (dwelling limit, liability limits, deductibles, endorsements). Then request quotes from at least three bundle candidates and compare the total annual cost and coverage side-by-side. If you want more options, an independent agent can quote multiple carriers at once.

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. I would get at least one quote from an agent who can check several carriers, then compare it with a quote from a company that writes both policies itself.

Sources

Checked October 1, 2026. NAIC: 2025 Market Share Reports for Property/Casualty Groups, August 2026. J.D. Power: 2026 U.S. Auto Insurance Study, June 9, 2026, 2026 U.S. Home Insurance Study, September 15, 2026. Erie Indemnity: second quarter 2026 results, July 30, 2026. Progressive: bundle. GEICO: homeowners insurance. Farmers: Signal, MetLife Auto & Home acquisition, April 7, 2021. Liberty Mutual: independent agent channel, bundling. Insurance Journal, April 27, 2026 (Safeco brand retired). Allstate: growth plan announcement, December 19, 2019, insurance bundling (February 2026 data). Esurance: home page. Nationwide: homeowners insurance. Travelers: homeowners insurance. North Carolina Farm Bureau: membership. CNBC Select, updated September 16, 2026 (USAA). Insurance.com bundle study, updated March 20, 2026.

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