Searching for home and auto insurance near me? You’re not alone. Every day, homeowners and drivers across the United States look for ways to protect their property and vehicles — without overpaying. The good news is that affordable home and car insurance is easier to find than ever, especially when you bundle policies from the same provider.
In this article, we’ll explain how to bundle policies, how to compare rates near you, and what to look for in a local insurance provider so you can protect what matters most without straining your budget.
Why Bundle Home and Auto Insurance?
Bundling means you purchase your homeowners insurance and auto insurance from the same company. There are clear advantages to this strategy, especially if you’re looking to save money while simplifying your insurance experience.
Benefits include:
- One monthly payment for both policies
- Potential savings of up to 25%
- Easier claims management
- Access to loyalty and safe driver discounts
- Better communication with a single insurer
According to Policygenius, bundling home and auto insurance can save policyholders an average of $730 per year.
How to Find the Best Home and Auto Insurance Near Me
Finding the right coverage in your area doesn’t have to be complicated. Whether you prefer working with a local insurance agent near me or using online tools, the key is to compare policies carefully.
Here’s how to get started:
1. Compare Home and Auto Insurance Quotes Online
Start by using comparison tools to view multiple offers at once. Websites like NerdWallet and The Zebra let you compare home and auto insurance quotes based on your ZIP code and coverage needs.
2. Work With Local Agents
Local agents can offer personal service and insights into your area’s risks (like weather events, crime rates, or local building codes). Search insurance companies near me to find licensed agents nearby.
3. Look for Bundling Discounts
Ask each provider if they offer discounts when you bundle home and auto insurance. Also inquire about safe driver discounts, claims-free rewards, or savings for installing home security systems.
Best Home and Auto Insurance Companies
Here are some of the top companies offering affordable home and car insurance bundles throughout the United States:
State Farm
State Farm is known for its local agents and customizable bundles. You can save up to 17% when you combine home and auto policies.
Allstate
Allstate provides wide national coverage and has tools like Drivewise, which rewards safe drivers. Bundling home and auto may save you up to 25%.
Progressive
Progressive allows you to compare multiple insurers for both home and auto policies. They offer multi-policy discounts and strong online service.
Explore options at progressive.com
Farmers Insurance
Farmers offers personalized service and local agents, making it easy to get home and auto insurance near me with trusted support.
Liberty Mutual
With a strong digital experience and flexible bundling discounts, Liberty Mutual is great for homeowners looking to save on combined policies.
What Is Included in a Home and Auto Insurance Bundle?
When you bundle your policies, you still receive the same coverage types as if you bought them separately — just at a lower price.
Home insurance typically covers:
- Structural damage to your home
- Personal belongings
- Liability in case someone gets injured on your property
- Temporary housing if your home becomes unlivable
Auto insurance generally includes:
- Liability coverage for bodily injury and property damage
- Collision and comprehensive coverage
- Uninsured or underinsured motorist protection
- Medical payments or personal injury protection
With a bundle, both policies are managed through one provider, making payments and claims simpler.
Tips to Get Cheap Home and Auto Insurance Near You
If you’re trying to get the best value, follow these proven tips:
- Raise your deductible: A higher deductible usually means a lower premium.
- Improve home safety: Installing smoke alarms, deadbolts, or security cameras can help reduce your rate.
- Maintain a good credit score: In most states, your credit impacts your insurance rate.
- Avoid small claims: Filing fewer claims may help keep your premiums low.
- Bundle policies: Combine home, auto, and even umbrella insurance to maximize savings.
- Ask about local promotions: Some insurers offer regional discounts based on weather risks or market demand.
Why Local Insurance Matters
When you search home and auto insurance near me, you’re not just looking for affordability. You also want personal service, fast response times, and someone who understands your community.
Benefits of working with local agents include:
- In-person consultations
- Faster claims support after storms or disasters
- Better understanding of neighborhood-specific risks
- Personalized policy recommendations
- Building a long-term relationship with someone you trust
For more guidance on how to evaluate an agent or agency, check with your state’s Department of Insurance.
Frequently Asked Questions
Is it cheaper to bundle home and auto insurance?
Yes. Most insurers offer bundling discounts ranging from 10% to 25% depending on your provider and coverage levels.
Can I change providers if I already have insurance?
Absolutely. You can switch insurers anytime. Just make sure your new policy starts before your old one ends.
What if I rent my home?
You can bundle auto insurance with renters insurance, which still offers a discount and protects your personal property.
Do all companies offer bundles?
Most major insurers do, but it’s best to compare. Some insurers specialize in bundles while others may be stronger in auto or home individually.
Final Thoughts
Whether you live in a big city or a small town, finding home and auto insurance near me that fits your needs and your budget is absolutely possible. By bundling policies, working with local agents, and comparing rates online, you can access cheap home and auto insurance near me without sacrificing quality coverage.
Start by getting quotes from trusted providers, review your current policies, and ask about bundling opportunities. The right combination of coverage, savings, and personal service is likely just around the corner.
Useful Resources
- National Association of Insurance Commissioners (NAIC)
- Insurance Information Institute – Bundling Policies
- Better Business Bureau – Find a Local Insurance Agent
