So we are bombarded by all this messaging around the benefits of bundling your home and auto together to save money.  The messages are constant and consistent:  "This is best!"  "This is the least expensive!"  Well as always the truth is a little more complex than it first appears.

Bundling does give you savings when compared to the pricing offered  by any given carrier within their product set i.e. they will give you a discount on your home if you also write your auto with them and vice versa.  But often times splitting your lines of business between two different carriers can come with pricing benefits of its own.  For example what if you are looking to take advantage of one carriers appetite for home owners insurance in your zip code?  Carriers often price differently in different neighborhoods based partly on their desire to accumulate more business in that particular geography.  That can mean a price advantage to you.  The same may apply to a different carrier's appetite for auto in the same geographic area.  So you see by splitting your business between two motivated carriers you may in fact achieve cost efficiencies.

Of course there is the other side of the coin, by bundling with one carrier and accumulating more premium dollars in that carrier's bucket, so to speak, you may have a different experience when it comes to coverage options or even claims service.  So there are a few factors to consider when placing your insurance.  Considerations beyond the convenience of making one payment for all your insurance needs, which bundling definitely supplies.  Or even the promise of savings which bundling is marketed to supply... and sometimes does not.  So as with most things the truth is a little different from the marketing... so choose wisely!  We are here to help.