Bundle Your Home and Auto Insurance and More
Save up to $1,232* and spend less time wrangling your insurance with policies in one place that are easier to manage and review as life changes.
What is insurance bundling?
Bundling insurance simply means having more than one policy with the same company. Insurers want more of your business, so they often offer discounts to get it. For you, that can mean a lower price, fewer companies to deal with and less paperwork to keep track of.
But convenience is only part of the picture. Keeping more of your insurance together can make it easier to see how your coverage works together — especially when a new home, car or other life change affects more than one policy. What you can bundle and how much you could save varies, so get a quote or ask a Farmers® agent to find out if bundling makes sense for you.
What types of insurance can you
bundle with Farmers?
Home and auto may be the bundle everyone talks about. They’re not your only options with Farmers.
Home and auto insurance bundle
Save up to 10%* on both policies when you combine home and auto insurance. Insuring more than one car may save you even more.
Renters and auto insurance bundle
Renting? You can still bundle. Save up to 20%* on your renters policy when you combine renters and auto insurance.
Condo and auto insurance bundle
Own a condo? Save up to 20%* when you bundleand auto insurance.
Even more ways to bundle: RV, motorcycle, boat, life insurance, umbrella
Your insurance needs probably don’t stop at your driveway or front door. Depending on what you own and where you live, you may be able to bundle policies for an RV, motorcycle, boat, life insurance or umbrella coverage with other Farmers policies.
The takeaway: If you already have more than one policy, ask a Farmers agent if it can be bundled. You may be missing out on a discount.
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Does bundling home and auto insurance save money?
It can. With Farmers, bundling home and auto insurance could save you up to 10%, depending on where you live.
But don’t let savings claims sway you. It’s a number based on what other people have saved. What matters is what you pay and the coverage you get for it. Consider this: the average annual premium for full auto insurance coverage was $1,438 in 2023 and the average homeowners insurance premium was $1,569 in 2022, according to the most recent National Association of Insurance Commissioners data available. That’s more than $3,000 a year. Even a small percentage off can add up. But there’s only one way to know what bundling could save you: get a quote.
How much can you save when you bundle?
| Bundle | Potential Farmers savings |
| Home + auto | Up to 10% on both policies |
| Renters + auto | Up to 20% on renters policy |
| Condo + auto | Up to 20% on condo policy |
If you’re shopping for home and auto together, there’s another number worth knowing: customers who switched from another insurer and bundled their home and auto insurance with Farmers saved an average of $1,232 a year.
Your actual price and savings depend on your policies, coverage selections, location and other rating factors. Get a quote to get the number that matters: yours.
Why bundle your insurance with Farmers?
What to expect from Farmers for bundled insurance
Coverage on a PageSM
With Farmers auto and home policies, customers get Coverage on a Page that outlines what's covered — and what isn't — in plain language.
Quote with Other Carriers
If Farmers isn't a fit for you, we'll tell you why, and help you explore other options, even if it's not with Farmers.
Farmers Coverage ReviewSM
We'll review your current policy, even if it's not a Farmers policy, and provide advice about insurance options.
More ways to save
Bundling is one way to lower your insurance costs, but not the only one. Farmers offers a range of discounts, with eligibility varying by state, policy and customer.
Manage your bundle with the Farmers app
Manage your bundle with the Farmers app
Insurance paperwork has a habit of becoming important exactly when you can’t remember where you put it. The Farmers mobile app puts many of the things you may need in one place.
With the app, you can:
- View ID cards
- Get policy information
- Access 24/7 claims support
- Make payments
- Request roadside assistance and more
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Frequently asked questions about bundling insurance
When is the best time to bundle my insurance?
Bundling insurance means having more than one policy with the same company — like your home and auto insurance. It can mean fewer companies and less paperwork to keep track of, and with Farmers, eligible policies may also qualify for a multi-policy discount.
How much can I save by bundling home and auto with Farmers?
Customers who switch and bundle their home and auto insurance with Farmers save an average of $1,232 a year. Bundling home and auto could save you 10% or more on both policies, depending on where you live. Renters and auto bundles could save up to 7%, depending on your state.
The only way to know your actual savings is to compare quotes.
When is the best time to bundle my insurance?
Any time can work, but a renewal or major life change — buying a home, moving, getting married or adding a vehicle — can be a natural time to take another look at your insurance options.
If you’re switching insurers, check your existing policy terms and effective dates before canceling anything. Saving money isn’t worth accidentally creating a gap in coverage.
Can I bundle later if I only buy one policy today?
Generally, yes. You may be able to add another eligible policy later and qualify for bundling discounts once the new policy is active. Discount availability and timing can vary. Check with a Farmers agent to see what applies to your policies.
Can I bundle anything besides home, auto and condo?
Yes. Farmers multi-policy discounts may be available for combinations that include renters, motorcycle, boat, RV, life insurance, umbrella and more, depending on the policies and your state.
If you have several things insured, ask about all of them. The obvious bundle isn’t necessarily the only one.
What happens if I cancel one policy in my bundle?
You can generally cancel one policy and keep another, because a bundle is still made up of separate insurance policies. But canceling a policy in your bundle may mean losing your multi-policy discount. Before canceling, talk to an agent to check what the change would do to the price of the policies you’re keeping.
If I switch from renters to homeowners insurance, do I keep my discount?
You may be able to replace renters insurance with homeowners insurance and continue qualifying for a bundling discount when you keep your auto insurance with Farmers. If you’ve had a Farmers renters policy for more than one year and buy a home, you may also be eligible for a rent-to-own discount on your Farmers home policy.
How do I bundle my insurance with Farmers?
Start by getting a quote for the policies you want to bundle. You can do it online or talk with a Farmers agent about your current insurance, what you want covered and other discounts that may be available to you.
If you already have a Farmers policy, ask what else you can bundle with it. Sometimes saving starts with simply asking the question.
Ready to start saving? Get your Farmers bundle quote today
A bundle could save you money. But the number worth paying attention to isn’t the discount percentage — it’s what you’ll actually pay for the coverage you want.
See what a home and auto insurance bundle with Farmers could cost you.
Call 800-515-1896 for a quote
Not all products, coverages, features and discounts are available in every state and may vary by state. Restrictions, exclusions, limits, and conditions apply.
*Based on average nationwide annual savings of new customers surveyed, excluding HI, SC & Farmers GroupSelect®, from 9/1/24 to 8/31/25 who switched their home and auto insurance policies to Farmers-branded policies, responded to the survey, and realized savings. Potential savings vary by customer and may vary by state and product.