How Does Bundling Home and Auto Insurance Save You Money?

If you’re a homeowner and car owner, you’ve probably heard about “bundling” your home and auto insurance. But how does bundling home and auto insurance actually save you money, and is it really worth it for Kansas City residents? Let’s break down the specifics and answer this common question with practical details.

What Is Insurance Bundling?

Bundling means purchasing more than one insurance policy—typically home and auto—from the same insurance provider. Instead of having two separate policies with different companies, you combine them under one roof.

How Does Bundling Save You Money?

1. Multi-Policy Discounts

The most direct way bundling saves you money is through multi-policy discounts. Insurance companies want your business, so they reward you for consolidating your policies. These discounts can range from 10% to 25% off your total premium, depending on the provider and your location5.

2. Lower Administrative Fees

Managing multiple policies with one company often means fewer administrative fees and less paperwork. This streamlining can result in additional savings over time, even if it’s not always visible as a line-item discount.

Other Benefits of Bundling

• Simplified Claims Process: If you need to file a claim involving both your home and car (for example, a storm damages your house and your vehicle), working with one company can make the process smoother.

• Single Point of Contact: You’ll have one agent or customer service team for both policies, making communication easier.

• Potential for Additional Coverage: Some insurers offer enhanced coverage or perks exclusively to bundled customers.

Is Bundling Always the Best Deal?

Not always. While bundling often results in savings, it’s smart to compare the bundled price with the cost of having separate policies. Sometimes, a standalone policy from a different provider may be cheaper, even after discounts. Always request quotes both ways and review the coverages to ensure you’re getting the best value for your needs5.

Why Bundling Works Well for Kansas City Residents

Kansas City homeowners and drivers face unique risks, from hail storms to icy roads. Bundling allows you to customize your coverage for local conditions and often leads to better service from agents who understand the area’s specific needs.

Final Thoughts

Bundling home and auto insurance is a proven way to save money and simplify your insurance experience. The key is to compare options, ask about available discounts, and work with a local agent who can tailor your coverage to your life in Kansas City.

If you have questions about bundling or want a personalized quote, reach out to our team at FCIG—we’re here to help you find the right protection at the best price.