Savings & Bundles

Home + Auto Bundle

Bundling your home and auto insurance with a single carrier saves most clients 10–25% on both policies annually. Here is exactly how it works.

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Typical Bundle Savings

Illustrative example — actual savings vary by carrier, state, and coverage levels.

CoverageSeparateBundledSavings
Auto Only$1,600$1,380$220
Home Only$1,800$1,500$300
Combined Bundle$3,400$2,760$640/yr

Benefits Beyond the Discount

Average savings of $400–$800/year

Most clients who bundle home and auto save between $400 and $800 annually compared to carrying separate policies with different carriers.

Coordinated coverage, no gaps

Bundled policies from the same carrier are reviewed together to eliminate coverage gaps and ensure no overlap in excluded scenarios.

Single renewal date (optional)

Many carriers offer the option to align your home and auto renewal dates, simplifying your annual insurance review to one event.

One advisor for everything

A single VKOVR advisor handles both policies — no switching contacts when a claim affects both your home and vehicle in the same event.

Who Qualifies?

You own or rent your home (both homeowners and renters policies qualify)
You have a vehicle insured in your name
Both policies are written with the same carrier
You maintain continuous coverage on both policies

Note: Condo owners, landlords, and mobile home owners all qualify — not just traditional homeowners. Any home-type policy can be bundled with auto.

Home + Auto Bundle FAQs

The average home + auto bundle saves clients $400–$800 per year depending on the carrier, state, home value, and vehicles insured. The discount typically applies to both policies — not just one. VKOVR models the total bundle cost across multiple carriers to find the most competitive combined pricing for your specific situation.

See How Much You Can Save With a Bundle

Get a free home + auto bundle quote from a licensed VKOVR advisor.

Learn About Multi-Policy Discounts