Why Bundling Home and Auto Insurance Can Be a Game Changer
When it comes to protecting your home, your car, and your finances, convenience matters—but so does cost. What if you could streamline your coverage, simplify your bills, and save money all at once? That’s the power of bundling.
At Famous & Spang Insurance, we’re big believers in helping families make smart decisions that maximize value without sacrificing protection. And bundling your policies—especially your home and auto insurance—is one of the easiest ways to do just that.
Whether you’re buying a new home, renewing your policy, or just reviewing your coverage, here’s why bundling home and auto insurance may be the game changer you’re looking for.
What Is Insurance Bundling?
Bundling simply means purchasing multiple types of insurance—most commonly homeowners and auto insurance—from the same provider. Instead of having two (or more) separate policies with different companies, you combine them under one umbrella.
This doesn’t just make your life easier—it can unlock significant insurance savings and additional perks.
The Top 5 Benefits of Bundling Home and Auto Insurance
1. You Could Save Big
One of the biggest reasons people bundle their insurance is the multi-policy discount. Most insurance carriers offer a percentage discount on both your home and auto premiums when you bundle.
While the exact savings vary depending on your provider and coverage, it’s not uncommon to save 10% to 25% or more on each policy.
That’s real money back in your pocket—without reducing your coverage.
2. Simplified Billing and Account Management
Instead of juggling multiple bills, renewal dates, and online accounts, bundling allows you to consolidate everything into one. You may receive one bill, one renewal packet, and one point of contact for all your insurance needs.
This not only reduces stress but also makes it easier to stay on top of your coverage and avoid lapses.
3. Better Claims Experience
When a major event affects both your home and your car—say, a storm damages your roof and your vehicle in the driveway—having both policies under one provider can mean faster, more coordinated claims service.
Some insurers even offer a single deductible if you’re filing a claim for both policies from the same incident. That could mean significant savings in the event of a large-scale loss.
4. Increased Loyalty Discounts Over Time
Many insurers reward loyal customers with additional discounts. Bundling helps strengthen your relationship with your provider, which may lead to even better rates or perks down the road.
Think of bundling as an investment in a long-term insurance strategy—not just a short-term convenience.
5. Easier Policy Reviews and Coverage Adjustments
As your life changes—buying a new car, renovating your home, adding a driver to your policy—it’s easier to make updates when everything is in one place. Bundling gives you the chance to review all of your coverage at once, helping you identify gaps or overlaps and keep everything aligned with your current needs.
Is Bundling Right for Everyone?
While bundling has clear benefits, it’s not always the best solution for every situation. Some homeowners may find better rates for one policy with a specialty provider. Others may have unique coverage needs that require different carriers.
That’s why it’s important to work with an independent insurance agency like Famous & Spang. We’re not tied to one carrier—we work with multiple top-rated companies to compare bundled and unbundled options so you can make the right call.
When Should You Consider Bundling?
- You’re buying a new home or car
- Your policy is up for renewal
- You’re adding a new driver or property
- You want to reduce your insurance costs without sacrificing coverage
- You’re tired of managing multiple policies with different companies
If any of these apply, it’s a great time to request a bundled quote.
Ready to Bundle and Save?
At Famous & Spang Insurance, we believe smart insurance is personalized insurance. We’ll help you evaluate your current policies, compare bundling options, and find a custom-fit solution that protects what matters most—without breaking the bank.
Give us a call today at 410-272-2300
Visit famousspanginsurance.com to get started with a free quote.
Let us help you bundle up—and unlock the benefits.
