The 9 Best Home and Auto Insurance Packages for 2023 - NerdWallet (2023)

Combining home and car insurance is a great way to save. But don't just choose the first insurance company you find that offers a discount on the package. Choose an insurance company with excellent customer service, many benefits and coverage options, and other discounts.

Here are NerdWallet's picks for the best home and car insurance packages.

How we choose the best home and car insurance packages

Our editors have selected insurers with NerdWallet ratings of at least 4.5 stars for their auto and home insurance products. All selected carriers offer a discount for bundling auto and home insurance policies. We exclude insurers whose products are available in fewer than 10 states.

To learn more about how we rank insurers, read ourmethodology.

american family

According to American Family, policyholders can save up to 23% by bundling home and auto insurance. The company also offers strong customer service, resulting in fewer consumer complaints to state regulators than expected for an insurer of its size.

In addition to standard auto insurance coverage, you can also add decreasing deductibles to your policy. With this feature, American Family reduces itsdeductible- the amount of any claim for which you are responsible - $100 for each year that you drive safely.

Decreasing deductibles and a large number of other additional services are also available for household contents insurance. For example, you can protect against water damage caused by drains and blocked drains or the failure of large appliances.

In addition to a bundle discount, you may qualify for savings if:

Freund

Amica's website claims policyholders can save up to 30% by combining their home and auto insurance. Along with a generous discount, the company offers a variety of coverage options. Amica also receives fewer complaints from government regulators than expected for a company of its size.

Homeowners who want additional coverage over and above Amica's standard homeowner's policy can purchase the Platinum Choice Package, which includes the followinghousing coverageand higher liability limits. Meanwhile, drivers can purchase extras like comprehensive window coverage or Prestige Rental Insurance, which covers up to $5,000 on a comparable rental vehicle, if your vehicle is involved in an accident.

Combining isn't the only discount Amica offers. Depending on your state, you can also save money by:

financial country

Country Financial is another great pooling option. The company has a high level of customer satisfaction, with far fewer complaints to government regulators than would be expected for a company of its size.

Country Financial offers a wide range of home insurance options depending on the policy you choose. Some policies cover issues like countertop burns or power surges that damage electronic equipment. And in most states, the company offers guaranteed replacement cost coverage where there's no limit to how much you pay for new building materials and labor to rebuild your home.

Auto insurance coverage options includeNew car replacement, which can pay for a new vehicle after an accident, even if your vehicle is a few years old. You can also add car rental and travel disruption, which will reimburse you for up to $800 on a rental car if you have an accident along the way. It also covers some transportation, lodging and meal expenses if you have an accident more than 100 miles from where you live.

The company offers various discounts. Depending on your state, savings may be available for things like:

farmers

Farmers, one of the largest insurers in the United States, offers many discounts as well as many ways to customize your coverage. Sells auto and home insurance in most states.

Depending on where you live, your Farmers homeowners policy may include extended homeowners insurance, which provides additional insurance for your home's structure should it cost more than expected to rebuild. The policy can also cover your property on a replacement cost basis, meaning the company will pay enough to buy new replacements if your items are stolen or destroyed. (Some companies pay less for older items due to depreciation.)

When it comes to auto insurance, Farmers has a variety of optional coverage types to choose from. For example, drivers who work for companies like Uber or Lyft can addride-sharing insurance. If your car is a year or two old, you may want to add new auto replacement insurance so you can buy a new vehicle if your vehicle is totaled.

In addition to packages, farmers can also offer discounts for:

o hannover

Hanover has two house/car packages with package discounts: Platinum and Prestige.

Platinum is the standard package, which includes a variety of customizable coverage options. For example, you can add guaranteed replacement cost coverage to your homeowners policy to ensure you always have enough money to rebuild your home after a disaster, even if your homeowner's coverage limit is very low.

If a single event affects both your home and vehicle, you only have to pay one deductible, not both. This can be, for example, a fire that destroys your house and your car in the garage.

Designed for high-end homes and cars, Prestige offers flexible and generous coverage limits. Prestige homeowner policy covers up to $100,000 for artwork or other valuables, plusLoss of Use Coverageif you need to live elsewhere while your home is being repaired. Prestige car insurance includes high coverage limits for vehicle rental and travel expenses if your car breaks down.

In addition to earning savings, you can receive a discount or credit for:

National

Nationwide's website says customers can save up to 20% by combining home and auto insurance, and you can get a home/auto package deal right on the company's homepage.

National home insurance comes with decree or law coverage. After a claim is settled, it can pay off to bring your home up to current building codes. Homeowners can also opt for extended replacement cost coverage, which pays up to twice the home's coverage limit if the cost of rebuilding the home is more than anticipated under an insured claim.

Company car insurance offers a few additional options. Drivers can choose the temporary deductible program, which lowers your deductible over time as long as you drive safely. You can also add Collision Damage Waiver, which waives your Collision Damage Waiver or Collision Deductible if your car is totaled.

By the companyCar insurance pays per kilometerThe SmartMiles program is available in most states. If you don't drive often, you can save on auto insurance by opting into the program. You pay a flat base rate plus a monthly fee per mile.

In addition to a package discount for home and auto insurance, other discounts may be available for:

Bezirksbauernhof

State Farm advertises a discount of up to 17% when combining auto and home insurance. As the largest insurer in the United States, State Farm can also offer other policies to cover things like a boat, trailer, farm, or small business.

State Farm's auto insurance covers all the basics, but you can add extras like trip insurance (handy if you drive for services like Uber or Lyft). Safe drivers who wish to have State Farm control their driving habits may receive discounts through the Drive Safe & Save program.

State Farm offers a long list of home insurance options to choose from, although some will require speaking to an agent to add to your policy. Home insurance policyholders in most states can get a smart Ting device for free that tracks problems in their electrical system that could lead to fires.

Depending on where you live, State Farm may offer discounts for:

Travelers

Travelers is promoting up to 13% off car insurance when paired with an owner policy. The company has a high level of customer satisfaction and has had few complaints to government regulators for an insurer of its size.

Homeowners can upgrade to content replacement cost coverage, which pays for new items if their property is damaged or lost in an insured disaster. When you choose Green Home coverage, travelers can cover the additional cost of using green building materials to rebuild your home after an insured claim.

Car insurance for travelers also offers useful additional services. Your responsible driver plan forgives one accident and one minor violation for a specified period of time. The Premier Responsible Driver Plan does the same thing, but also includes a decreasing deductible: $50 rebate every six months with good driving, up to $500 rebate on deductible.

In addition to a discount on the home and car package, you can qualify for savings by:

United States for

USAA policyholders can save up to 10% by bundling home and auto policies, the company says on its website. However, USAA insurance is not available to everyone. Only active-duty military members, veterans and their families are eligible to become USAA members and purchase USAA policies.

Owners can enjoy included services such as:replacement cost coveragefor your belongings, which pays enough to buy new items if your belongings are damaged or destroyed in a covered loss. The USAA also covers military uniforms with no deductible.

In some states, you can save money on your auto insurance by signing up for the company's SafePilot program, which uses an app to track your driving habits. If you avoid risky behaviors like hard braking and using your phone while driving, you can get a discount.

Depending on where you live, you may also get a discount for: