Finding the best home and auto insurance quote doesn’t have to be overwhelming. Whether you’re a first-time homeowner, new driver, or just looking to save on your monthly bills, bundling your policies can be the smartest financial move you make this year. But the key to savings lies in knowing how to get a fair, competitive quote that meets both your coverage needs and your budget.
In this guide, we’ll walk you through everything you need to know to secure the best home and auto insurance quotes in the U.S.—from understanding what a quote really means, to comparing coverage options online, and finally locking in a deal that could save you hundreds of dollars annually. Let’s dive in.
What Is a Home and Auto Insurance Quote?
A home and auto insurance quote is a price estimate provided by an insurance company for bundling two types of coverage: homeowners (or renters) insurance and auto insurance. This quote is based on the information you provide, including your location, property details, vehicle make and model, coverage levels, and personal history.
Getting a quote is typically the first step in purchasing insurance. It helps you understand how much you can expect to pay each month or year. Quotes are non-binding, meaning you’re not obligated to purchase, but they offer a realistic look at what insurers will charge for specific types and levels of protection.
Bundled quotes—where home and auto are packaged together—are designed to streamline the buying process while offering cost savings. Insurance providers often give substantial multi-policy discounts (sometimes 10%–25%) when you choose them for both types of coverage.
It’s important to remember that each quote is personalized. Your driving history, credit score, home location, and prior claims history can all affect the rate. That’s why it’s essential to compare multiple quotes from different providers before making a final decision.
Why Bundling Home and Auto Insurance Saves You More
- Discounts: Most insurers offer 10–25% off when you bundle, making it one of the easiest ways to save money.
- Simplified Billing: With one provider, you manage fewer bills, fewer logins, and less paperwork.
- Streamlined Claims Process: If an event impacts both home and car (like a hailstorm), one company handles the entire process.
Who Should Get a Bundled Quote Right Now?
- New Homeowners: If you’re purchasing your first home, it’s a great time to reassess your auto coverage.
- Drivers with Renewals Due: Combine policies when your current auto or home policy is up for renewal.
- Anyone Looking to Save: If your monthly premiums are rising, a bundle quote could cut costs fast.
What Factors Affect Your Insurance Quote the Most?
- Location: Zip code affects theft risk, weather events, and accident frequency.
- Credit Score: Many insurers use credit-based insurance scores to price policies.
- Claims History: Multiple claims—especially within 3–5 years—can raise your quote.
- Coverage Levels: Higher liability or property limits mean higher premiums.
- Home Type & Vehicle Age: A newer home or car may get you better rates with certain companies.
When Is the Best Time to Shop for Insurance Quotes?
- 30 Days Before Renewal: Gives you time to compare without lapsing coverage.
- After a Life Event: Buying a home, getting married, or moving are great times to reassess.
- Before Your Credit Improves: Lock in a better rate if you’ve just paid off debt or raised your score.
Top Reasons Why Your Home and Auto Quote May Be Too High
- Incorrect Information: Errors in your credit report or claims history can inflate quotes.
- Lack of Discounts: Failing to claim multi-policy, smart home, or safe driver discounts.
- Over-Insuring: Choosing coverage limits or features you don’t need.
- Outdated Vehicles or Home Systems: Older systems may pose greater risk to insurers.
- Regional Risk Factors: Wildfire, flood, or storm-prone areas cost more to insure.
How to Compare Home and Auto Insurance Quotes Online
- Use Reputable Tools: Platforms like The Zebra, Policygenius, Insurify, or Gabi compare multiple carriers in real-time.
- Enter Accurate Details: Include your VIN, property age, square footage, and other details for a precise quote.
- Compare Apples to Apples: Look at coverage levels, not just price. A cheaper policy with less coverage isn’t always a better deal.
- Check Financial Ratings: Use A.M. Best or Moody’s to verify insurer stability before signing.
- Get At Least 3 Quotes: More quotes mean better leverage and comparison insights.
What Coverage Should Be Included in a Bundle Quote?
- Home Insurance: Dwelling coverage, personal property, liability, medical payments, and loss of use.
- Auto Insurance: Liability (bodily injury/property damage), collision, comprehensive, personal injury protection, uninsured/underinsured motorist.
- Optional Add-ons: Roadside assistance, rental reimbursement, identity theft coverage, flood protection (separate policy), or earthquake coverage.
A good bundle quote will itemize each policy, showing your limits, deductibles, and total premium—so you know exactly what you’re paying for.
How Much Does a Home and Auto Insurance Quote Cost?
Getting a quote is free. You can request quotes directly from insurers or through online marketplaces without any obligation. However, the actual cost of your bundled premium will depend on several factors:
- Average bundled cost: Typically ranges from $1,200–$2,500 per year, depending on state, home value, car make, and driving record.
- Monthly payments: Can be as low as $100–$200 per month with multi-policy discounts.
- Savings potential: Bundling usually saves 10–25% compared to separate policies.
Always ask if bundling will reduce your deductible in case of a combined loss (e.g., storm damages both home and vehicle).
Bundled vs Separate Quotes: Which One Works Better?
Bundling often leads to lower prices and streamlined service, but it’s not always the best choice:
- Bundled Pros: Easy billing, strong discount potential, consolidated service.
- Bundled Cons: Limits ability to choose the best provider for each policy.
- Separate Policy Pros: You can shop each policy based on price and coverage needs.
- Separate Policy Cons: May miss out on bundling savings or have to manage two insurers.
If one company offers a good home quote and another offers a better auto quote, you’ll need to compare total cost vs convenience.
Is It Legal to Switch Insurance Companies Mid-Policy?
Yes. U.S. insurance laws allow you to cancel a policy at any time, as long as you follow proper notice procedures. Most insurers will refund unused premium amounts on a pro-rated basis.
To switch:
- Shop and secure a new policy first.
- Confirm start date of new coverage.
- Contact your current insurer to cancel.
Avoid gaps in coverage, as even one day uninsured could cause legal or financial penalties.
3 Common Myths About Home and Auto Insurance Quotes
- “All quotes are basically the same.”
False. Every insurer uses different algorithms, risk assessments, and discount eligibility criteria. - “You need perfect credit to get a good quote.”
False. Many insurers offer fair rates to drivers with average credit, especially if you bundle. - “Cheapest quote is always best.”
Not necessarily. It may come with higher deductibles, fewer features, or poor customer service.
Tips to Lower Your Combined Home and Auto Premium
- Increase deductibles: Raising from $500 to $1,000 can significantly reduce premiums.
- Install safety features: Smart home alarms and anti-theft devices often lead to discounts.
- Maintain a clean driving record: Fewer claims = lower risk in the eyes of insurers.
- Ask for discounts: Don’t be shy—ask about student, loyalty, claim-free, and military discounts.
- Bundle with life or renters insurance: Some providers increase your discount with each policy.
Best Tools to Get Accurate Home and Auto Insurance Quotes
- The Zebra: Real-time comparisons across dozens of top insurers.
- Policygenius: Tailored advice with expert customer support.
- Gabi: Pulls your current policy and finds better rates in minutes.
- Insurify: AI-based tool with highly personalized results.
- Compare.com: Quick quote comparison that includes bundling options.
Use more than one tool to validate quotes and make sure you’re not missing savings.
Planning Ahead: When and How to Lock in the Best Rates
- 30 Days in Advance: Start shopping a month before your policy expires.
- After Big Life Changes: New job, move, or car = perfect time to re-evaluate.
- Annual Checkups: Compare quotes yearly, even if you’re satisfied. Rates shift.
- Improve Your Credit: Better credit usually leads to better quotes in most states.
- Avoid Coverage Gaps: Continuous coverage often leads to loyalty discounts.
Being proactive keeps you ahead of rate hikes and maximizes long-term savings.
FAQs
Is it cheaper to bundle home and auto insurance?
Yes. Most companies offer 10–25% discounts when you bundle both policies together.
How do I get a quote for both home and auto insurance?
Use online tools like The Zebra or Policygenius, or contact insurers directly and request a multi-policy quote.
Can I bundle if my home and auto policies are with different companies?
Usually, one company will need to take over both to qualify you for bundling discounts.
Does bundling affect my coverage limits or quality?
Not typically. Coverage stays the same—you just get a better deal.
Do I need to own a home to get a bundle quote?
No. You can bundle auto with renters insurance for similar savings.
What happens if I cancel one policy in a bundle?
You may lose your bundling discount, and your rates could increase. Always check with your provider before canceling.
Final Thought: Getting the best home and auto insurance quote today means understanding your needs, comparing real-time options, and acting at the right time. Whether you’re bundling for savings or switching for better service, the tools and strategies shared here will help you drive down costs without sacrificing protection.