Multi-Policy Discount

You could earn a discount when you keep more than one policy with the same carrier. Most people know this as bundling home and auto. The list of policies that can qualify is a lot longer than that.

How it works

You could earn a multi-policy discount when you pair your policy with a companion auto, home, renters, mobile home, boat, motorcycle, motorhome or travel trailer, off-road vehicle, or umbrella policy. How much you save depends on which policies you pair and on your state — we'll show you the exact numbers when we quote it.

There's a second benefit that has nothing to do with price: all of your policies sit with one agent. On the day one storm touches both your house and your car, that matters.

Example:

You own your home and drive two cars, and the three policies live at three different companies because that's how it happened over the years. We quote the home and both autos together. The home policy may qualify for a multi-policy discount and the auto policy may carry its own, and at claim time — say a storm damages both the roof and a car in the driveway — one agent is handling both claims instead of you refereeing between two companies that each think the other should pay first.

Got Questions?
We’ve Got Answers.

Do both policies get the discount?
It varies by product and state — in many pairings, yes. We'll show you the before-and-after on each policy when we quote it.
Do my policies need the same renewal date?
Not necessarily. The discount applies as policies join; we can align renewal dates over time if you want the simplicity.
Does bundling home and auto insurance actually save money?
For most households, yes — it's typically the largest single discount available on a home policy, and the auto side can earn its own discount at the same time. The honest answer is that it depends on your policies and your state, which is why we quote it both ways and show you the numbers.
What insurance policies can be bundled?
More than most people think: auto, home, renters, mobile home, boat, motorcycle, motorhome or travel trailer, off-road vehicle, and umbrella policies can all qualify as companions, depending on which state you are located.
Can I bundle renters insurance with auto insurance?
Often times yes — and it's often the pairing with the best math, because the auto discount can offset much of what the renters policy costs.
Can I change or cancel my policy anytime?
Most policies can be adjusted or canceled without penalty, though terms vary. If your situation changes, our team can help you update your plan.
Still have questions?
Can’t find the answer you’re looking for? Please chat to our friendly team.
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