Why You Shouldn’t Keep Home and Auto Insurance Separate
Why you shouldn't keep home and auto insurance separate. If you currently have home insurance through one provider and auto insurance through another, you might be missing out on major savings and simplicity. Keeping your policies separate may seem harmless, but it often leads to frustration, confusion, and higher costs. Here's what you should know if you have a monoline home policy—a home policy without a bundled auto—and why now is the time to make a change.
The Downsides of Keeping Home and Auto Separate
When your policies are split, you're juggling multiple agents, separate billing accounts, and disconnected coverage. It may not seem like a big deal until you have a claim or a renewal comes up. You're also likely missing out on valuable bundle discounts that most carriers offer.
What Kind of Discounts Are Available?
When you bundle your home and auto policies, most carriers offer discounts on both policies. That means more money in your pocket every month simply by keeping your coverage with the same provider. These savings can add up quickly.
How Bundling Improves Your Claims Experience
One of the biggest benefits of bundling is a smoother claims process. When your home and auto policies are with the same carrier—and ideally managed by the same advisor—your communication becomes simpler and more effective. There’s no confusion over who to call or what’s covered. It’s one point of contact and one trusted relationship.
What to Do if You Have a Monoline Home Policy
If you only have a home policy, fixing it is easy. Start by gathering your auto insurance information: your declarations page, names and birthdates of all household drivers, and driver’s license numbers. Then send that to your agent so they can quote your auto policy and explore bundling options.
Can You Get Better Coverage Too?
Absolutely. With the carriers we work with, bundling doesn’t just improve pricing—it can lead to better coverage. A good advisor will review your policies and make sure you're protected in all the right areas. If you’re unsure about your current coverage, let us walk through it with you.
Why a Local Advisor Is Better Than an Online Quote Tool
Online quote tools may seem fast, but they’re not always accurate. They often skip important details or fail to pull essential reports, which can lead to incomplete coverage or misleading pricing. When you work with a local advisor at Conner Insurance, you’re talking to someone who cares about your protection. You’ll receive better service, more accurate quotes, and an advisor who’s with you for the long haul.
We’ve even created our own online assessment that connects directly to a real advisor, who will evaluate your home and auto insurance with over 20 top carriers. It’s the perfect blend of convenience and personalized service.
One Final Thought
Many insurance carriers are now requiring home and auto policies to be bundled, or they’re placing stricter rules on unbundled home policies. It’s much less of a headache when your policies are with one agency—and it could save you money too.
Ready to simplify your insurance and save?
Reach out to one of our advisors today to explore the best bundling options for your home and auto coverage.
