Bundle your auto insurance with home or renters

Who doesn't want to save time and money? We all do. At Farmers, you could save both when you bundle your auto with home or renters insurance.

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Farmers Insurance

What is insurance bundling?

When you buy more than one insurance policy from the same insurance company — such as a home or renters policy and car insurance — it’s called bundling. You may be eligible for multi-policy discounts for bundling policies, because you become a more valuable customer for your insurer. Discounts and their availability will vary based on things like the kind of insurance policies you have and the state where you live. You can bundle your policies online or ask your Farmers agent for details.

What types of insurance can you
bundle with Farmers?

The more policies you bundle with Farmers — think homeowners, condo, RV, umbrella, life — the more you can save.

Home and auto

Bundling car and home policies can save you up to 10% or more off both.

Start a home bundling quote and save

Renters and auto

Save time, money and paperwork on renters coverage and car insurance. 

Start a renters bundling quote and save

Bundle and save

To save more, talk to a Farmers agent about bundling more than one car, or with condo, RV, life, umbrella and other policies.

See all insurance discounts

Should I bundle home and auto insurance?

Bundling auto and home insurance online could save you money on two of your biggest insurance expenses. “Full coverage” car insurance policies (liability, collision and comprehensive coverages) cost an average of $1,258 a year in 2022, according to the most recent data available from the National Association of Insurance Commissioners (NAIC). Homeowners insurance cost an average of $1,569 in 2022, according to the most recent NAIC data. Of course, with inflation and other factors, most rates have gone up since 2022, and so have the opportunities to save by bundling. It doesn’t take much of a discount to save money with a car and home or renters insurance bundling.

Does insurance bundling save money?

Yes, bundling auto and home insurance could save you money. Even a discount of just a few percentage points could add up when your total premiums are thousands of dollars per year. Bundling auto and home could save you up to 10% off both, with more potential savings for bundling multiple cars on your policy. Bundling renters and auto online could save you up to 7% on both policies, depending on your state.

If you own a  condo, RV or manufactured home, bundling those policies with your auto insurance may also earn you a discount.

Adding life insurance* to your auto and home insurance bundle might qualify for more discounts on auto and home, and often a better price on your life insurance. If you have an umbrella liability policy, the company that issues your policy may offer you a lower premium, if the underlying policies for your car, home, motorcycle, boat or other recreational equipment are from the same insurer. You may get discounts on those other policies, too.

Benefits of bundling


Bundle and save

Saving money is the biggest reason many people choose to bundle their insurance. Adding a multi-policy or multi-line discount is often the easiest way to pay less without reducing your coverage.

Bundle and save time, too

Insurers require a lot of information. If you buy each policy from a different company, that could mean providing your information again and again. When your information changes, it would need to be updated with each company. 

Depending on the insurer, bundling your insurance may allow you to bundle billing, too, making it more convenient to keep all of your policies paid on time. You may also save on billing-related fees. 

If you bundle your auto, home, life and other policies with Farmers Insurance Group of Companies®, you could have one local agent to contact about your policies and one online portal to manage your policies, saving you time. 

Bundling can help you avoid coverage gaps

Life gets busy when things change. For example, say you’re recently married. After all of the wedding planning for the big day and the honeymoon, did you remember to list each other on your car insurance policies? (Or, did you maybe take the time to combine policies?) If not, you might be considered an “undisclosed driver” on each other’s policy.

Having one agent for all your bundled policies means you’d have a professional to help you review your insurance coverage when your life changes. Do you want to review your auto coverage? Update your home policy to make sure you have the coverage you want? Add life insurance coverage for your new spouse? Add special coverage for that special ring?

Frequently asked questions

You can bundle insurance online at any time, but many people choose to bundle when they have some other reasons to change their insurance. If you’re moving and need to insure your new home, it’s a great time to look at bundling home insurance with your auto policy. If you’re buying a new off-road vehicle, there’s no better time to look at bundling your recreational policies with your home and auto insurance.

Yes, you should be able to add new policies to your bundle at any time. Maybe you’ve just decided it’s time for a new life insurance policy, or maybe you’re waiting to bundle your homeowners insurance until your old policy expires. You’ll generally get bundling discounts only once the new policies are active. In some cases, your existing policies might not get bundling discounts mid-term.

Bundled insurance policies are still separate contracts. You could still cancel one and keep the others, but you may no longer qualify for the extra savings from bundling.

If you’ve been bundling your auto insurance and renters insurance and you buy a house, you could typically replace your renters insurance with homeowners insurance without losing any bundling discounts. You may even qualify for additional discounts, such as Farmers’ Rent-To-Own discount, on your homeowners insurance.

Advertisement produced on behalf of the following specific insurers and seeking to obtain business for insurance underwritten by Farmers Insurance Exchange, Fire Insurance Exchange, Truck Insurance Exchange, Mid-Century Insurance Company, Farmers Insurance Company of Washington (Bellevue, WA) or affiliates. In TX: insurance is underwritten by Farmers Insurance Exchange, Fire Insurance Exchange, Truck Insurance Exchange, Mid-Century Insurance Company, Farmers Texas County Mutual Insurance Company, Mid-Century Insurance Company of Texas or Texas Farmers Insurance Company. In NY: insurance is underwritten by Farmers Insurance Exchange, Truck Insurance Exchange, Mid-Century Insurance Company or Farmers New Century Insurance Company. Home office, Los Angeles, CA.

Each of following insurers who transact business in California are domiciled in California and have their principal place of business in Los Angeles, CA: Farmers Insurance Exchange (#R 201), Fire Insurance Exchange (#1267-4), Truck Insurance Exchange (#1199-9), Mid-Century Insurance Company (#1428-2).

*Life insurance issued by Farmers New World Life Insurance Company, a Washington domestic company: 3120 139th Ave. SE, Ste. 300 Bellevue, WA 98005 (CA#: 0378-0). Products and features, including same-day coverage, may not be available in all states and may vary by state. Restrictions, exclusions, limits, and conditions apply. Farmers New World Life is not licensed and does not solicit or sell in the state of New York. Securities offered through Farmers Financial Solutions, LLC, (In NY: Farmers Financial Solutions and Insurance Agency), 31051 Agoura Road, Westlake Village, CA 91361. Member FINRA & SIPC 

Each insurer has sole financial responsibility for its own insurance. List of all insurers and states where licensed at farmers.com/companies/state/. Not all insurers are authorized in all states. Not all products, coverages, features and discounts are available in every state and may vary by state.