Chelsey Tucker graduated with a Bachelor of History degree from Metropolitan State University in 2019. She now writes about insurance with her specialty being life insurance and has been quoted on Help Smart Phone and MEL Magazine.

Full Bio →

Written by

Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years. He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com.

Full Bio →

Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Sep 21, 2021

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance providers please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

The Lowdown

  • USAA has the lowest rates for bundling home and auto coverage
  • Most insurance companies offer discounts for bundling coverage
  • Customers should cancel previous policies 30 days before switching companies

Auto insurance companies offer discounts for bundling coverage, often resulting in lower rates. USAA has the lowest rates for customers that bundle home and auto coverage.

Knowing more about auto insurance companies that bundle home, auto, boat, and personal liability insurance will help you find the cheapest coverage.

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

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

Comparing affordable auto insurance companies that bundle home, auto, boat, and personal liability will help you find the cheapest coverage. The following chart shows the average annual rates for a home and auto bundle based on the company.

Average Annual Rates from Auto 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
Get Your Rates Quote Now

Compare RatesStart Now →

As you can see, USAA has the cheapest auto insurance companies’ rates that bundle home, auto, boat, and personal liability coverage. However, USAA is only available for military personnel and their families. For everyone else, State Farm has the lowest rates.

While home and auto are the most common bundling options, many insurance companies also allow you to bundle other types of insurance, like boat and personal liability coverage. Adding more insurance to your policy bundle can result in more savings.

Compare Insurance Providers Rates to Save Up to 75%

 Secured with SHA-256 Encryption

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

Most people use separate companies for their home and auto insurance.

As previously mentioned, most insurance companies provide discounts for bundling different types of coverage together. While it’s most common to bundle home and auto insurance, there are other bundling options.

Some of the other types of insurance bundles include:

If you’re looking to bundle your insurance policies, the first step is to cancel your policy from the company you don’t want. Giving the company written notice at least 30 days in advance ensures they’ll stop billing you by the time your 30 days are up.

In most cases, you can set up your current policy to end on a specific day. Ending your current policy the same day your new policy starts will ensure you don’t have any gaps in coverage. That means you’ll need to start looking for quotes before your current coverage expires.

You might decide to bundle coverage with one of your current companies. However, you can also find yourself in a situation where you use a pair of auto insurance companies that don’t bundle home, auto, boat, and personal liability insurance. In this case, you’ll need to find a new provider.

The Insurance Information Institute says there are several ways to save on insurance, including bundling. To ensure you’re getting the best price for your bundled coverage, look for both bundled and individual quotes for the types of insurance you need.

The following are some tips when looking for quotes.

  • Know your coverage: Review your current policy to make sure that you get quotes for the same coverage limits.
  • Get quotes: Compare your current rates with three or more companies. Ask for bundle and individual quotes to find the best rates.
  • Ask about discounts and deductibles: Asking about discounts will help you find the most savings. Some companies offer a single deductible if multiple insured possessions are damaged in the same incident.
  • Shop annually: Rates can change frequently, so you should compare rates every year or two to ensure you’re still getting the best price.

Once you find the right company to bundle with and schedule the cancellation of your current policy, you’ll be ready for bundled coverage.

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

Now that you know about bundling insurance and how to obtain it, you might be wondering if you should bundle coverage. The answer depends on whether bundling coverage will result in cheaper rates than if you kept your coverage separate.

You should consider bundling insurance if you:

  • Find the combination of policies cheaper than what you currently pay
  • Cannot find cheaper rates at separate companies
  • Are trying to insure a risky home
  • Want a stronger relationship with your insurance company

Bundling coverage almost always results in lower rates due to the provided discount. However, if you find significantly lower individual rates from different companies for your chosen coverage, it can be cheaper to keep your policies separate.

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

Average Annual Unbundled Rates from Auto 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
Get Your Rates Quote Now

Compare RatesStart Now →

The average USAA home and auto bundled policy is $2,513, so a separate USAA auto policy and Travelers homeowner’s insurance policy is cheaper than bundling. However, bundling USAA auto insurance provides the cheapest auto and home insurance when considering other competitors.

The best way to determine who is the best insurance company for home and auto is to compare auto insurance companies’ quotes that bundle home, auto, boat, and personal liability coverage.

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

Bundling auto and home insurance will usually result in lower rates than using separate companies. When bundling, USAA has the lowest rates. Understanding auto insurance companies that bundle home, auto, boat, and personal liability will help you find the cheapest coverage.

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