Savings & Bundles

Multi-Policy Discounts

Bundle two or more insurance policies with VKOVR and save 10–25% annually. Here is how multi-policy discounts work and which combinations deliver the most savings.

Bundle Combinations That Save

Most clients qualify for at least one of these combinations.

Auto + Home
Save 10–25%

The most popular bundle. Combining auto and homeowners insurance with the same carrier consistently delivers the largest single multi-policy discount available.

Auto + Renters
Save 8–15%

Renters are often surprised how much they can save by bundling their auto and renters policies. Renters insurance itself is extremely affordable — bundling makes it even more so.

Auto + Life
Save 5–12%

Bundling auto and life insurance with select carriers offers premium reductions on both policies, in addition to the convenience of a single advisor relationship.

Home + Umbrella
Save 8–15%

An umbrella policy purchased with your homeowners insurer often qualifies for a bundle discount, and umbrella coverage provides an additional $1M+ of liability protection for very low annual cost.

Auto + Home + Life
Save 15–30%

Triple-line bundles with carriers that offer all three product types deliver the deepest combined discounts available to individual clients.

Commercial + Commercial Auto
Save 10–20%

Small businesses that bundle general liability or BOP with commercial auto through the same insurer typically receive meaningful multi-policy discounts on both.

How VKOVR Finds Your Best Bundle

1

Tell us what you have

Share your current policies — auto, home, life, business. We identify which combination of carriers can bundle them for maximum savings.

2

We compare across carriers

Not every carrier offers all product lines. VKOVR identifies carriers where your specific combination of policies qualifies for the best multi-policy pricing.

3

You keep one relationship

Single advisor, single point of contact, potentially one bill. And you save on both (or all three) policies every year.

More Than Just Savings

Single point of contact for all policies
Simplified renewals and billing
Consistent claims experience across lines
Loyalty discounts that grow over time
Easier policy reviews at annual renewals
Protection against gaps between policies

Multi-Policy Discount FAQs

The average multi-policy discount for bundling auto and homeowners insurance is 10–25%, though the actual savings depend on your specific carriers, state, and coverage levels. Some clients save $300–$600+ per year. VKOVR identifies the carrier combination that delivers the largest combined discount for your specific policies.

Find Out How Much You Can Bundle and Save

Get a free multi-policy quote and let a VKOVR advisor identify every discount you qualify for.