Multi-policy discounts are the most reliable saving available to most households. They are not universal.
The typical range
Most carriers discount 15% to 25% across both policies when home and auto sit together. Adding umbrella, boat or a rental property usually deepens it.
The single-deductible perk
Several carriers waive the auto deductible when one event damages both the house and a vehicle — a hailstorm hitting the roof and the car in the driveway. That alone can be worth more than the percentage discount.
When bundling costs more
If one side of your profile is hard to place — a young driver with violations, or a home with an old roof in a hail-prone county — the bundled carrier may load both policies. Splitting between two specialists can beat the discount.
How to check properly
Compare the bundled total against the best standalone quote for each line. That is the comparison worth running, and it is the one we run for every client at renewal.
