Shuman Roy is an entrepreneur, business owner, and musician. He started RoysNoys, LLC in 2013 as a music production and education service company. He also offers small business consulting and advisory services to help businesses get from start-up mode to turn-key operations. Shuman earned his M.B.A from the Stern School of Business in 2001 and has an undergraduate degree from Manhattan College in ...

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Joel Ohman is the CEO of a private equity-backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Joel...

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Reviewed by Joel Ohman
Founder, CFP®

UPDATED: Sep 20, 2021

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The Truth in a Nutshell

  • USAA has the lowest rates for customers that bundle home and auto insurance
  • Bundling coverage will usually result in lower rates
  • Customers should inform a company 30 days before canceling a policy

Rates are one of the top 10 insurance complaints, but bundling coverage can help with that problem. Insuring your home, vehicle, and boat with one company can result in significant savings.

Determining the best car insurance companies that bundle home, auto, boat, and personal liability will help you find the best price.

Before learning about car companies that bundle home, auto, boat, and personal liability, enter your ZIP code to find free auto insurance quotes in your area.

What are the rates from car insurance companies that bundle home, auto, boat, and personal liability?

Comparing affordable car insurance companies that bundle home, auto, boat, and personal liability will help you find the most cost-effective option.

So who is the best insurance company for home and auto? The following chart shows the average annual rates for a home and auto bundle based on the company.

Average Annual Rates from Car Insurance Companies That Bundle Home, Auto, Boat, and Personal Liability by Company
CompanyAverage Annual Rates for Home and Auto Bundle
Allstate$2,625
Farmers$3,157
MetLife$2,938
Nationwide$2,951
State Farm$2,534
Travelers$2,775
USAA$2,513
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As you can see, the cheapest auto and home insurance is from USAA.

However, USAA is only available for military families, so State Farm has the lowest car insurance companies’ rates that bundle home, auto, boat, and personal liability for most customers.

Home and auto is the most common bundle, but many companies allow customers to bundle other insurance policies. Bundling more policies together can create cheaper rates than if you had an individual plan.

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How can you obtain coverage from car insurance companies that bundle home, auto, boat, and personal liability?

As previously mentioned, customers can bundle several plans together to save. While home and auto are the most common bundle, customers can combine various policies to make their insurance experience cheaper and easier.

Some of the bundles that can result in savings include:

  • Auto and renters insurance
  • Motorcycle and renters insurance
  • Auto, home, and life insurance
  • Multi-car insurance
  • Boat and auto insurance

Once you determine the right combination, you can begin the bundling process. The first step is canceling the policy you wish to move.

It’s best to give the company 30 days’ written notice to avoid any billing issues after making the switch.

Insurance companies will usually allow you to set up the date when coverage will end. Scheduling your policy to expire the day your new policy starts will ensure you avoid any gaps in coverage.

For this reason, you’ll need to begin searching for quotes before your current policy’s expiration.

If one of your current companies allows bundling, the process will be as easy as switching the other policy.

However, there are some companies that don’t bundle home, auto, boat, and personal liability, which could result in the need to find a new company for all of your insurance plans.

According to the Insurance Information Institute, bundling is one of the various ways to save on insurance. When searching for quotes, you should consider both individual and bundled prices for the types of insurance you need.

The following tips will help you find the best rates:

  • Review your policy: Knowing your current policy will ensure you’re looking at quotes for the right plan.
  • Compare quotes: Comparing your current rates with three or more companies will give you a good selection. Ask for bundled and individual rates to find the cheapest option.
  • Ask about discounts and deductibles: Inquiring about discounts will ensure you find the most savings. Some companies also offer a single deductible when multiple insured possession are damaged, resulting in cheaper rates.
  • Search annually: Companies base rates on factors that can change, so you should compare quotes every year or two to ensure you’re still getting the lowest price.

Once your policies are all with one company, they’ll automatically bundle them and apply your discount.

Should you bundle coverage from car insurance companies that bundle home, auto, boat, and personal liability?

While bundling will usually result in lower rates, sometimes it’s better to keep your policies separate. Before bundling your home, auto, or other policies, you should consider if it’s the best decision for you.

Bundling insurance is a good idea if:

  • The combined policies are cheaper than your current rates
  • Rates are more expensive at separate companies
  • You’re attempting to insure a risky home
  • You’re looking for a stronger relationship with your insurance company

In most cases, bundling coverages will result in lower rates. However, sometimes you can find lower rates by keeping your policies with separate companies. It depends on the lowest individual rates and the discounts offered for bundling.

The following chart shows the average annual combined unbundled rates of USAA auto insurance and competitor’s home insurance.

Average Annual Unbundled Rates from Car Insurance Companies That Bundle Home, Auto, Boat, and Personal Liability
Auto Insurance CompanyHome Insurance Company Annual Rates Unbundled
USAAAllstate$2,594
USAAFarmers$2,879
USAAMetLife$2,640
USAANationwide$2,846
USAAState Farm$2,849
USAATravelers$2,471
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With an average annual home and auto bundle of $2,513, it’s cheaper to have a separate USAA auto insurance and Travelers home insurance policy than a bundle.

However, it’s cheaper to bundle home and auto with USAA than have individual policies with most of the top 10 homeowners insurance companies.

When deciding whether bundling is the best option for you, compare individual and bundled car insurance companies’ quotes that bundle home, auto, boat, and personal liability.

Car Insurance Companies That Bundle Home, Auto, Boat, and Personal Liability: The Bottom Line

Whether bundling is the cheapest insurance option depends on the company. When comparing companies, USAA has the lowest bundled rates.

Knowing about the car insurance companies that bundle home, auto, boat, and personal liability will help you make the right choice.

Now that you know about car insurance companies that bundle home, auto, boat, and personal liability coverage, enter your ZIP code to get free auto insurance rates in your area.