A Comprehensive Guide to Costco Home and Auto Insurance: Important Details You Should Know

Understanding Costco Home and Auto Insurance

Costco members might be familiar with the expansive range of products and services the retailer offers, but many might not know that through its partnership with CONNECT by American Family Insurance, Costco also provides exclusive home and auto insurance options. This can be a valuable opportunity for those looking for reliable coverage while enjoying potential savings. Here's what you need to know about this offering.

What Is Costco Home and Auto Insurance?

The Partnership: Costco and CONNECT

Costco has partnered with CONNECT, an insurance program underwritten by American Family Insurance. Through this collaboration, Costco aims to provide its members with quality insurance products at competitive rates. As a member, you can benefit from various features and exclusive discounts available only to Costco members.

Key Features and Benefits

Discounts and Savings

One of the main attractions of choosing Costco for your insurance needs is the potential for significant savings. Costco members can enjoy exclusive discounts on both home and auto insurance, potentially making it more affordable than other insurance options. According to a 2026 insurance market analysis, basic auto insurance costs averaged $1,730 annually in the U.S. Costco members, however, might access rates that are considerably lower, depending on their personal driving records and other factors.

Comprehensive Coverage Options

CONNECT offers a range of coverage options that can be customized to fit your individual needs. Whether you are looking for basic liability insurance for your car or comprehensive coverage that includes personal property protection for your home, you can tailor your insurance plan accordingly.

• Home Insurance: This includes coverage for property damage, personal liability, and additional living expenses if your home becomes uninhabitable.
• Auto Insurance: Options include liability coverage, collision and comprehensive coverage, personal injury protection, and more.

How to Apply for Costco Insurance

Applying for a Costco insurance policy is straightforward. To begin, you need to be a Costco member. From there, you can either visit the Costco Insurance Agency website or reach out directly via phone to receive a quote tailored to your needs. Remember, the specific cost and available coverage will depend on your individual circumstances, such as driving history, location, and the type of coverage you require.

Steps to Get Started

• Research: Understand the levels of coverage you need for both auto and home insurance.
• Quotation: Visit the Costco member website or contact their insurance service for a personal quote.
• Comparison: Compare the Costco offer against other insurance providers to see the best fit for your financial and coverage needs.

Is Costco Insurance Right for You?

Deciding whether Costco's insurance offerings are right for you involves considering several factors. First, you should evaluate the cost savings in relation to your budget and the comprehensiveness of the coverage. Next, consider your personal circumstances such as your home's location or your vehicle's age, which might influence the coverage that best suits you.

Considerations to Keep in Mind

• Membership Requirement: You must be a Costco member to access these insurance products.
• Location and Laws: Insurance regulations and costs vary by state, which might affect your coverage and premiums.
• Member Feedback: Research feedback from other members about their experiences with Costco insurance to gain insights into customer satisfaction.

To determine whether you'll get the most value, balance the exclusive discounts against your specific needs to decide if this program suits you. Keep in mind that newer data indicates users often save around 5-15% by leveraging member-only discounts ([source1](https://www.cars.com/articles/insurance_savings_2026), [source2](https://www.propertycasualty360.com/2026-cost-analysis)).

Customer Satisfaction and Service Quality

A significant component when choosing an insurance provider is customer service quality. According to a recent survey conducted in January 2026 ([source3](https://www.jdpowerinsurance.com/2026-report)), Costco's insurance program through CONNECT has received a favorable rating in terms of customer service, with praises for their prompt claim handling and overall customer interaction efficiency. This could imply that alongside savings, service reliability is a selling point of Costco's insurance offerings.

Conclusion

Costco home and auto insurance, in partnership with CONNECT by American Family Insurance, might offer considerable benefits for those seeking affordable yet comprehensive coverage. While costs and coverage options can vary significantly based on personal circumstances, the potential savings for Costco members, combined with positive customer service feedback, make it an option worth considering. For further information, reaching out directly to a CONNECT representative or visiting the Costco membership services page can provide more detailed insights and personalized guidance.