Best Home and Auto Bundles for 2025: Top Insurance Packages Reviewed

Finding the best home and auto bundles can make a life-changing difference for your finances in 2025. The right insurance bundle doesn’t just give you peace of mind – it can deliver meaningful savings, simpler management, and improved coverage.

With hundreds of options available, this guide cuts through the noise to pinpoint the best home and auto insurance companies offering top bundle discounts this year. We evaluated each provider based on price, available multi policy insurance savings, customer satisfaction, claims support, and customizability to help you compare home and auto insurance bundles with total confidence.

Why Trust Our Best Home and Auto Bundle Picks?

Our Research and Review Process

Our recommendations come from rigorous independent research. We analyzed over 30 major insurers, consulted current 2025 insurance bundle discounts, pored over thousands of customer reviews, and surveyed leading industry experts.

Who This Guide is For

If you own (or plan to own) a home and car in 2025, want to maximize your insurance bundle savings, or just need hassle-free protection from the best home and auto insurance companies—this guide is your one-stop shop.

“Bundling home and auto insurance can reduce your premiums by as much as 25%, but not all bundles are created equal.” — Insurance Nexus Report 2025

Best Home and Auto Bundles of 2025 (Top Picks)

Quick Comparison Table: Home & Auto Bundle Savings

Provider	Estimated Bundle Savings	Bundle Features	Best For
American Family	20-23%	Custom plans, strong local agents	Service & value
Amica	15-20%	Top claims support, loyalty perks	Claims satisfaction
Auto-Owners	Up to 25%	Flexible coverage options	Custom needs
State Farm	14-17%	Nationwide reach, digital tools	Availability
Travelers	10-20%	Additional bundled products	Multiple policies
USAA	Up to 26%	Exclusive perks for military	Military families

In-Depth Reviews of the Best Home and Auto Bundles

American Family: Great Service and Savings

American Family is consistently ranked among the best home and auto insurance companies due to its personalized approach and competitive bundle discounts. Customers appreciate its attentive local agents and one-stop shop for all insurance needs.

Key features:

• Average 20–23% insurance bundle discounts (2025 figures)
• Flexible home/auto policy combo options
• Award-winning customer service

Best for: Homeowners who value personal interaction, want a local agent, or need custom policy riders.

Drawbacks: Not available in every state; some online tools are less robust than competitors.

American Family’s satisfaction rating increased by 11% in 2025 according to J.D. Power.

Amica: Top Rated for Claims Satisfaction

Amica has held a leadership position in claims satisfaction, making it one of the best home and auto insurance options for those who prioritize smooth claim experiences.

Key features:

• High bundle savings (15–20%)
• Dividend policy options (eligible for refunds)
• Excellent 24/7 claims support
• Generous loyalty discounts

Best for: Those who want hassle-free claims, straightforward service, and long-term customer rewards.

Drawbacks: Slightly higher base premiums; limited in-person agency network.

Auto-Owners: Personalized Bundling Options

Auto-Owners stands out for its highly customizable bundling. As one of the best home and auto insurance companies for unique or complex needs, they’re ideal for those wanting personalized solutions.

Key features:

• Up to 25% multi policy insurance savings
• Multiple deductible options (single or separate)
• Local agents and tailored plans

Best for: Those with specialized property, multiple vehicles, or customized insurance needs.

Drawbacks: Coverage only offered in 26 states. No direct online quote option—must go through an agent.

According to NAIC, Auto-Owners’ bundled claims resolution time improved by 18% in 2025.

State Farm: Nationwide Availability and Discounts

With an extensive agent network and a proven history, State Farm makes it easy to compare home and auto insurance bundles almost anywhere in the U.S.

Key features:

• Up to 17% insurance bundle discounts (depending on state)
• Digital management tools and user-friendly app
• Vast agent network covering all 50 states

Best for: Homeowners seeking reliability, digital convenience, or coverage in rural and urban areas alike.

Drawbacks: Some customers find personalized discounts less aggressive than smaller providers.

Travelers: Flexible Add-Ons and Bundles

Travelers is a go-to for flexible bundling options that go beyond just home and auto, making them a smart pick for families or those with complex coverage needs.

Key features:

• Save 10–20% on bundled policies
• Options to add umbrella, boat, or rental property coverage
• Strong financial stability (A++ rating in 2025)

Best for: Those with multi-policy insurance savings opportunities and extra coverage requirements.

Drawbacks: Some customers cite slow claims processing; base premiums can be average-to-high.

USAA: Best for Military Members and Families

USAA is the clear winner for military families—offering the highest average bundle savings, exclusive member benefits, and top customer ratings.

Key features:

• Save up to 26% with insurance bundle discounts (2025)
• Outstanding customer service (95+% satisfaction)
• Perks like deployment flexibility and low deductibles

Best for: Active service members, veterans, and their families.

Drawbacks: Eligibility limited to military members and their qualified relatives.

How Does Bundling Home and Auto Insurance Work?

Bundling home and auto insurance means purchasing both policies through the same company—netting you discounts, convenience, and, often, better overall protection.

Pros of Bundling Home and Auto Insurance

• Significant savings: Bundle discounts average 15–25% in 2025.
• Easier management: Manage both policies in a single account or with one agent.
• Streamlined claims: Fewer complications if you need to file a claim for both policies after a disaster.

Cons of Bundling Home and Auto Insurance

• Not always the cheapest: Sometimes separate policies can still save you more—especially if you qualify for special deals.
• Coverage trade-offs: Some insurers may limit customizations if you bundle.
• Potential for complacency: You might stay too long with a provider just for the discount, missing out on better options elsewhere.

Expert tip: Always compare home and auto insurance bundles against separate options every renewal year to make sure you’re getting the true best rate!

How to Choose the Best Home and Auto Insurance Bundle

Key Factors to Consider

• Bundle discount size: Always ask about multi policy insurance savings.
• Claims satisfaction: High claims ratings matter more than flashy ads.
• Flexibility: Can you adjust coverages and deductibles as your needs change?
• Customer service access: Local agent? 24/7 support?

Tips for Maximizing Bundle Savings

• Compare multiple providers’ bundle quotes each year (not just your current one).
• Ask about additional discounts such as loyalty, safe driver, or newer home credits.
• Consider higher deductibles to lower total premium—if you have the savings buffer.

Check our guide on how to maximize your auto insurance discounts for more expert strategies.

FAQs About Home and Auto Insurance Bundles

Is bundling always cheaper than separate policies?

Not always. While most homeowners save between 15–25%, occasionally you may find a better deal by splitting providers—especially if you qualify for unique discounts with one.

How much money can bundling really save?

On average, U.S. homeowners saved about $580 per year by bundling home and auto in 2025. Savings depend on your location, property, and driving record.

What companies offer the best home and auto bundles?

American Family, Auto-Owners, State Farm, Travelers, USAA, and Amica stand out for the best home and auto bundles thanks to strong savings and customer service.

Can you bundle renters and auto insurance?

Yes! Most major insurers allow renters and auto bundling too, with similar discounts to homeowners.

What happens if you cancel one policy in a bundle?

If you cancel either the home or auto side, you’ll likely lose your bundle discount. Be sure to review your new premium before making changes.

Conclusion: Which Home and Auto Bundle is Right for You in 2025?

In 2025, you have more power than ever to secure the best home and auto bundles for both maximum savings and coverage. USAA stands out for military families, while American Family and Auto-Owners excel with great service and customization. Need simplicity everywhere you go? State Farm and Travelers offer large networks and easy management. Take the time to compare home and auto insurance bundles to make sure you lock in the best deal and coverage for your unique needs.

Ready to start saving? Get personalized bundle quotes from at least three top providers today, and discover just how much you can cut from your insurance costs this year.

[Happy family reviewing insurance documents together at their kitchen table]