Is Bundling Your Home & Auto Insurance in New York Worth It?

Quick Summary: Bundling home and auto insurance can save many New Yorkers money—often 10% to 25%—while simplifying billing, renewals, and claims coordination. It’s usually worth it if the coverage stays strong and the combined pricing beats what you’d pay separately. However, bundling isn’t always the best deal; some standalone policies may offer better coverage, special programs, or lower individual rates, especially for high-value homes or unique vehicles.

At Moore Insurance Agency in Watervliet, NY, we help clients across Albany and the Capital Region compare options from multiple top-rated carriers so they can see the true advantages (and limits) of bundling for their situation.

Why Bundling Home & Auto Insurance Is Popular in New York

Most major carriers offer multi-policy discounts when you insure both your home and auto with them. These discounts can meaningfully reduce annual premiums and streamline the way your insurance is managed.

1. Multi-Policy Discounts

Carriers typically reward customers who place several policies with them. Common benefits include:

• 10%–25% savings depending on the carrier and coverage type
• Lower deductibles or enhanced coverage options for bundled clients
• Potential loyalty perks or accident forgiveness programs

Learn more about your options here: Auto Insurance and Homeowners Insurance.

2. Simplified Insurance Management

Bundling often means:

• One renewal date or coordinated renewals
• Fewer bills to track
• A single point of contact for questions or service

For busy families and homeowners balancing work, kids, and everyday life in the Capital Region, simplifying accounts alone can be a worthwhile benefit.

3. Better Coverage Alignment

When policies are with the same carrier, it’s easier to match:

• Liability limits – ensuring home and auto policies complement each other
• Deductibles – so you’re not surprised by mismatched amounts at claim time
• Optional endorsements – such as umbrella coverage or identity theft protection

At Moore Insurance Agency, we regularly help clients in Albany, Watervliet, and surrounding areas line up policies so they work together instead of separately.

4. Claims Experience Considerations

During a major event—like a storm affecting both your car and home—having the same carrier can streamline the claims process. But this can cut both ways:

• Pro: One claims team may make it easier and faster to coordinate repairs.
• Con: Multiple claims with the same insurer in a short period could potentially affect future pricing.

This is why it’s important to compare more than just the discount when bundling.

When Bundling Might Not Be the Best Choice

Bundling isn’t automatically the cheapest or strongest option. It may not be ideal if:

• You have a high-value home that’s better served by a specialty carrier
• Your vehicle qualifies for unique standalone programs (e.g., usage-based telematics)
• The bundled price is higher than mixing carriers through an independent agency like Moore Insurance
• You need custom coverage options that one carrier doesn’t offer

What to Compare Beyond Price

• Total premium for each scenario (bundled vs. separate)
• Coverage limits and whether they meet your real needs
• Deductibles and how they’d apply during claims
• Discount stability (some disappear after year one)
• Replacement cost options for homes and vehicles
• Carrier reputation for claim handling in New York

Quick Shopping Checklist

• Get quotes for bundled and unbundled policies
• Make sure home and auto liability limits align
• Check deductibles—are they consistent?
• Compare optional coverages and endorsements
• Ask if the multi-policy discount is guaranteed or variable
• Consult an independent agent who can quote multiple carriers

See If Bundling Makes Sense for You

At Moore Insurance Agency, we shop multiple carriers to help you find the best combination of price, coverage, and convenience—whether that ends up being a bundle or two separate policies.

Ready to compare your options? Request a quote today.