Which Insurance Companies Offer Home and Auto Bundling Options in the USA?

Combining homeowners and auto insurance with one provider can make it easier to manage policies and may help reduce insurance costs. Many insurance companies offer multi-policy discounts when customers purchase both types of coverage.

However, available discounts, eligibility requirements and policy options vary by state and insurer. Here are 10 insurance companies to consider when comparing home and auto bundles in 2026.

10 Insurance Companies That Offer Home and Auto Bundling

1. State Farm

State Farm offers homeowners and auto insurance policies with a multi-policy discount for eligible customers. Its home-and-auto bundle can simplify policy management while potentially reducing premiums. Published 2026 comparisons report savings of around 22% on average, although individual discounts vary.

2. Allstate

Allstate offers home and auto insurance bundling through its multi-policy discount program. Customers may be eligible for savings when purchasing both policies. The company also offers coverage options for homeowners, renters and vehicle owners. Reported maximum bundle discounts can reach approximately 25%, depending on eligibility and location.

3. Nationwide

Nationwide offers homeowners and auto insurance policies that can be combined for a multi-policy discount. Customers can compare coverage options for their property and vehicles while managing policies through one insurer. Published comparisons report potential bundling discounts of up to 15% or more, depending on the policy and state.

4. Farmers Insurance

Farmers Insurance provides home and auto coverage with bundling opportunities. Its policies include options that customers can customize according to their property, vehicles and coverage requirements. Some 2026 comparisons report average bundle discounts of approximately 19%, but actual savings depend on individual quotes.

5. Amica

Amica offers homeowners and auto insurance with multi-policy savings for eligible customers. The company also provides additional insurance products, including umbrella and life insurance. Customers can compare its coverage options, customer service and potential savings when combining policies. Published comparisons report possible discounts of up to 30%.

6. American Family Insurance

American Family Insurance offers homeowners and auto insurance with multi-policy discounts. Customers may qualify for savings by combining eligible policies. Its coverage options include protection for homes, personal belongings and vehicles. Some 2026 comparisons report maximum bundle discounts of up to 40%, although availability and eligibility vary.

7. Travelers

Travelers offers homeowners and auto insurance policies that customers may be able to combine. Its coverage options include homeowners protection and different types of vehicle insurance. Customers should request a combined quote to understand which discounts apply and whether the final premium is lower than purchasing separate policies.

8. USAA

USAA offers home and auto insurance bundling options for eligible military members, veterans and qualifying family members. Its insurance products include homeowners coverage and auto protection. Published comparisons report potential bundling discounts of up to 10%. Eligibility restrictions mean that USAA is not available to every customer.

9. Progressive

Progressive provides auto insurance and homeowners coverage through its home insurance programs, which may involve partner insurers depending on the state. Eligible customers may receive a multi-policy discount when combining auto coverage with a qualifying homeowners policy. Customers should check which company actually underwrites each policy and how the discount is applied.

10. GEICO

GEICO offers auto insurance and helps customers obtain homeowners insurance through its network of insurance partners. Depending on the state and provider, customers may qualify for a multi-policy discount or other savings. It is important to check whether the home policy is issued by GEICO or a partner company and confirm the combined price.

How Much Can You Save by Bundling Home and Auto Insurance?

The amount you save depends on the insurance company, your location, property details, driving record, coverage limits and other rating factors.

Some 2026 insurance comparisons report the following potential discounts:

These figures are reported maximums or averages from insurance comparisons, not guaranteed discounts. They may also be calculated differently by each publisher and insurer.

What Should You Compare Before Choosing a Bundle?

Before purchasing a combined insurance policy, consider these factors:

• Total annual premium: Compare the final cost of both policies rather than focusing only on the discount percentage.
• Coverage limits: Make sure your home and vehicle have sufficient protection.
• Deductibles: Check how much you would pay out of pocket when filing a claim.
• Policy exclusions: Review situations and types of damage that are not covered.
• Claims service: Research how the company handles claims for both home and auto policies.
• Discount eligibility: Confirm that both policies qualify for the advertised multi-policy savings.
• State availability: Check whether the insurer offers both types of coverage in your area.

Conclusion

State Farm, Allstate, Nationwide, Farmers, Amica, American Family, Travelers and USAA are among the insurance companies offering home and auto bundling options in the United States. Progressive and GEICO also provide ways to combine coverage, sometimes through partner insurers.

Bundling may provide savings and make policy management more convenient, but it is not automatically the cheapest option. Compare quotes from multiple companies, review coverage details and calculate the total annual premium before making a decision.

Note: Discounts, coverage availability and eligibility requirements vary by state and individual policy. Always request a personalized quote to confirm current terms.