Save More in 2025: Best Home & Auto Insurance Bundle Deals

Let’s be real insurance isn’t exactly fun to think about, but saving money? That’s a different story. If you’re a homeowner juggling both home and car insurance, bundling those two policies might just be the easiest way to keep more cash in your pocket. In this article, we’ll walk you through the best home and auto insurance bundle deals for 2025. We’ll cover the top companies offering the biggest discounts, what to look for in a bundle, and how to lock in serious savings without sacrificing coverage.

Why Bundle Home and Auto Insurance in 2025?

Bundling (aka a “multi-policy discount”) means you’re buying more than one type of insurance from the same company usually home and auto. Insurers love this because it means more business from you, and they’re willing to reward your loyalty with lower rates.

Key Benefits of Bundling:

• Up to 25% in savings (sometimes more!)
• One bill, one login—easier to manage
• Better customer service and claim handling
• Potential access to loyalty perks or extra discounts

Pro Tip: Bundling doesn’t always guarantee the best price, so be sure to compare stand-alone vs. bundled quotes before signing.

Best Home & Auto Insurance Bundle Deals for Homeowners in 2025

Here are the top providers offering excellent value and savings on bundles this year:

1. State Farm – Best Overall Bundle for Most Homeowners

With a massive agent network and competitive rates, State Farm is one of the most popular bundling options in the U.S.

Why it’s great:

• Average 25% savings when bundling
• Personalized support through local agents
• Customizable coverage options for both home and auto
• Great for families and first-time homeowners

Visit State Farm to get a personalized quote

2. Allstate – Best for Custom Bundle Features

Allstate gives you flexible policy-building tools that let you tweak coverage levels to fit your exact needs—and save while doing it.

Bundle highlights:

• Save up to 20% or more
• Drivewise program for safe drivers = extra auto discounts
• Options to add identity theft, electronics, and valuable item coverage to home policies
• Excellent app for managing claims and policies

Insider tip: Look for “Welcome Discounts” available in select states.

3. Progressive – Best for Online Quotes & Comparison

If you want a super simple way to shop and compare multiple bundling options, Progressive is your go-to.

Why Progressive works:

• Easily compare bundle prices online
• Access to third-party carriers in some areas
• Great for homes with unique features or drivers with past claims
• Often offers discounts for paperless billing, autopay, and multi-car policies

4. Liberty Mutual – Best for Big Discount Potential

Liberty Mutual is known for generous bundling offers, especially if you’re bringing both policies over from different providers.

Bundle benefits:

• Save up to 30%
• Add-on coverages like inflation protection and water backup
• 24/7 claims and emergency support
• Easy mobile management tools

Bonus: Liberty also offers green home discounts for energy-efficient upgrades.

5. USAA – Best Bundle for Military Families

If you or a family member are military-affiliated, USAA is hard to beat in terms of service, value, and reliability.

USAA perks:

• Top-rated customer satisfaction
• Savings up to 10%–15% when bundling
• Comprehensive disaster coverage for high-risk areas
• Special discounts for military gear stored at home

Important: Membership is limited to military members, veterans, and eligible family members.

What to Look for in a Bundle Deal

Bundling isn’t just about saving it’s about getting the right coverage at the best value. Here’s what to check before committing:

• Coverage Options -Make sure both policies offer what you need—don’t sacrifice protection for a discount.
• Deductibles & Limits -Are the deductibles reasonable? Can you adjust them to balance cost vs. protection?
• Claim Process – Is the provider known for fast, hassle-free claims?
• Customer Support – Local agent or 24/7 hotline? Choose what works for your lifestyle.

Smart Bundling Tips for Homeowners

Here are some quick tips to get the best home and auto insurance bundle deal in 2025:

• Shop Around: Get quotes from at least 3 insurers
• Review Annually: Rates change—don’t get stuck overpaying
• Mention Safety Features: Smoke detectors, security systems, etc.
• Ask About Driver Programs: Safe driver discounts can stack with bundles
• Use Online Tools: Some providers offer instant quote comparison and customization

Need help deciding? Our Cheapest Homeowners Insurance can guide your next steps.

Final Thoughts: Bundling in 2025 = Big Savings with Smart Choices

With inflation affecting everything from groceries to gas, saving money on insurance is a no-brainer. The best home and auto insurance bundle deals in 2025 are out there—you just need to know where to look and what to ask for. Whether you choose a trusted giant like State Farm or a digital-first provider like Progressive, bundling can simplify your life and your budget.

Ready to start saving?

Compare home and auto bundles today and see how much you could cut from your monthly bills with zero compromise on coverage.