Bundle Home & Auto to Save Up to 25% Annually
Combining your home and auto coverage under one carrier is the single easiest way to reduce premium costs, eliminate redundant deductibles, and streamline your protection. Kaufman Insurance Group shops top national carriers to lock in your maximum multi-policy discount.
Why Bundling Pays Off
Separating your home and auto policies across different companies often means paying double non-bundled rates and managing unnecessary paperwork. Here is why combining coverage makes sense.
Unbundled Coverage
⚠️ Paying Full Retail Price
Insuring home and auto with two separate carriers misses out on significant multi-policy premium discounts on both bills.
- Multiple renewal dates & payment portals
- Separate deductibles if a storm hits both home & car
- Higher risk of policy cancellation or rate spikes
Single-Brand Captive Bundle
⚠️ Limited Carrier Options
Direct captive agencies offer discounts, but only from one specific company—even if that carrier’s home rates are uncompetitive in your zip code.
- Discount might be offset by high base rates
- If one rate increases, you have to leave completely
- One-size-fits-all coverage options
Independent Market Bundle
⭐ The Kaufman Smart Advantage
We compare multiple top-tier carriers like National General, Liberty Mutual / Safeco, Progressive, and Grange to find the absolute lowest combined rate for your profile.
- Maximized multi-policy discounts (up to 25%)
- Single Loss Deductible available on covered claims
- Annual rate checking to ensure you never overpay
More Than Just Premium Savings
Combining your homeowners and auto insurance provides financial and administrative perks beyond a monthly discount.
Single Loss Deductible Protection
If a major storm damages your roof and smashes your vehicle parked in the driveway, many bundled carriers apply a single deductible instead of requiring you to pay both your home and auto deductibles out-of-pocket.
Enhanced Policy Retention & Limits
Insurers value multi-policy policyholders significantly higher. Bundling lowers your overall risk profile with the carrier, helping protect you against non-renewals after minor claims or ticket violations.
One Renewal Date & Statement
Simplify your household budgeting. Manage both personal lines accounts through a single online portal with synchronized payment due dates and combined monthly billing options.
Popular Multi-Policy Packages
Mix and match the personal insurance coverage options that best fit your lifestyle and property holdings.
How Much Can You Save by Bundling Today?
Most households save between $500 and $1,200 annually simply by switching their home and auto policies to a competitive bundled carrier. Let our independent agency calculate your total savings.
Home & Auto Bundling FAQ
Can I bundle if my home and auto policies have different renewal dates?
Yes! You do not have to wait until both policies expire at the same time. We can start your new bundle policy today, and your previous insurance companies will refund any unearned premiums prorated back to you.
Is bundling always cheaper than having separate policies?
In about 90% of cases, bundling provides the lowest overall rate. However, if one line has unique risk factors (e.g., high-risk drivers or high-risk roof locations), splitting policies can occasionally be better. As an independent broker, we check both scenarios for you.
How does changing my bundled home insurance affect my mortgage escrow account?
We handle the escrow transition for you. We send your new homeowners policy declaration page directly to your mortgage lender so they can update your escrow payments without any disruption.
Start Saving on Your Insurance Bundle Today
Complete our quick form above or call an independent advisor at Kaufman Insurance Group.