Bundling Auto and Home Insurance: Is It Really Worth It?
If you own a vehicle and a home—or even just rent—you’ve likely heard this offer before:
“Bundle your insurance policies and save money.”
But is bundling really the smartest move? And how much does it actually save?
Let’s break down when bundling your auto and home insurance in Pennsylvania is worth it, what to watch out for, and how to make the most of this common discount.
What Does It Mean to Bundle Insurance?
Bundling means purchasing more than one type of insurance policy (usually auto and home or renters) from the same provider. You manage both policies under one account and usually receive a multi-policy discount.
Auto + Homeowners Insurance
Auto + Renters Insurance
Auto + Condo or Landlord Insurance
How Much Can You Save?
Savings vary by provider, but most Pennsylvania insurance companies offer:
5% to 25% off for bundling policies
Additional perks like combined billing or a single deductible for major claims
The average customer saves $200–$500 annually depending on their location, coverage, and insurer.
Pros of Bundling Auto and Home Insurance
1. Lower Premiums
Bundling typically reduces the cost of both policies through a multi-policy discount.
2. Simplified Management
One bill, one agent, and one login makes managing your insurance much easier.
3. Improved Loyalty Perks
Insurers often offer better service, added perks, or claim forgiveness to long-time bundled customers.
When Bundling Might Not Be Worth It
1. One Policy Becomes Overpriced
If one policy (usually auto) is competitively priced but the other isn’t, bundling could mean you’re overpaying for convenience.
2. You’re Missing Better Coverage Elsewhere
The best combination of price and coverage might come from using two different carriers.
3. You Have Special Circumstances
If you have unique risks (rental properties, collector vehicles, high-value assets), a specialty insurer might offer better terms than a bundled plan.
How to Tell if Bundling is Right for You
Compare quotes side-by-side with and without bundling
Review each policy's coverage carefully
Talk to a local agent who can price shop across carriers—not just push one company’s bundle
Ebensburg Residents: We’ll Do the Math For You
At Ebensburg Insurance, we don’t just sell bundles—we help you evaluate whether bundling your auto and home policies actually benefits you.
We compare coverage and pricing from multiple carriers, explain your options clearly, and help you decide whether bundling saves you money and makes sense for your situation.
Request a quote review or ask our team to run the numbers for your household.
Serving Ebensburg, Bellwood, Carrolltown, Northern Cambria, and all surrounding Pennsylvania communities.
Locally trusted. Community focused. Serving Cambria County and beyond.
