The Best Home and Auto Insurance Bundles – NerdWallet

Bundling your home and auto insurance is a great way to save money. But don’t just go with the first insurance company you come across that offers a bundling discount. You want to choose an insurer with strong customer service, plenty of perks and coverage types, plus other discounts.

Here are NerdWallet’s picks for the best home and auto insurance bundles.

Our editorial team selected insurance companies with NerdWallet ratings of at least 4.5 stars for its home and auto insurance products. Companies selected offer a discount for bundling home and auto insurance policies. We excluded insurers whose products were available in fewer than 10 states.

To learn more about how we rate insurance companies, read our methodology.

Amica’s website states that policyholders can save up to 30% if they bundle their home and auto insurance. In addition to a generous discount, the company has an array of coverage options. Amica also receives fewer complaints to state regulators than expected for a company of its size.

Homeowners who want additional coverage on top of Amica’s standard home policy can buy the Platinum Choice package, which includes extended dwelling coverage and increased liability limits. Meanwhile, drivers can purchase extras like full glass coverage or prestige rental coverage, which covers up to $5,000 for a comparable rental car if your vehicle is in an accident.

Amica offers savings for things beyond bundling your home and auto insurance. Depending on your state, you could also receive a discount for:

• Being insured by any auto insurer for at least two years.

• Insuring more than one car.

• Equipping your car with anti-theft devices like car alarms or GPS tracking systems.

• Going without an auto insurance claim for at least three years.

• Insuring a new or remodeled home.

• Signing up for paperless billing and autopay.

Chubb is a great choice for individuals with high net worth who want to bundle their home and auto policies. Its homeowners insurance is designed specifically for expensive homes, and its auto insurance includes extra perks and features. The company shines when it comes to customer satisfaction, drawing far fewer consumer complaints to state regulators than expected for home and auto insurance.

Chubb’s home insurance policies come with two coverage types other insurers don’t typically include. The first is extended replacement cost coverage, which pays extra to rebuild your home if you don’t have enough dwelling coverage. The other is replacement cost coverage for belongings, which pays for new items after a covered claim. Homeowners can use Chubb’s HomeScan service to help them find leaks or other issues in their house.

Chubb’s auto insurance offers coverage limits of up to $10 million in liability and uninsured/underinsured motorist coverage. Drivers can choose Agreed Value coverage for collision and comprehensive insurance, which means Chubb determines the value of your car before you buy an auto policy. If your car is stolen or totaled, Chubb pays the agreed-upon amount. This perk is useful for drivers of collector cars, as other insurers typically pay up to only the market value of the car at the time it’s stolen or totaled.

Country Financial is another great choice for bundling. The company has strong customer satisfaction, with far fewer complaints to state regulators than expected for a company of its size.

Country Financial offers a wide range of home insurance coverage options depending on the policy you choose. Some policies cover issues like countertop burns or a power surge that damages electronics. And, in most states, the company offers guaranteed replacement cost coverage, which has no limits on how much it will pay for new construction materials and labor to rebuild your home.

Auto insurance coverage options include new car replacement and safety glass coverage. Another option is vehicle rental and trip interruption, which reimburses up to $800 for a rental car if you’re in an accident while away from home. It also covers some transportation, lodging and meal expenses if you’re in an accident more than 100 miles away from home.

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

• Installing smoke detectors and automatic sprinkler systems in your home.

• Getting a quote before your policy expires.

• Insuring a car with an alarm or anti-theft device.

• Going without tickets or accidents for at least three years.

• Working as a teacher, firefighter, police officer, emergency medical technician or paramedic.

Nationwide’s website says that customers can save up to 20% for bundling home and auto insurance.

The company’s auto insurance gets few complaints to state regulators for a company of its size, and Nationwide makes managing your policy easy. You can get a home and auto bundling quote through its website.

Nationwide’s homeowners insurance comes with ordinance or law coverage. After a covered claim, this may pay to upgrade your home to current building codes. Homeowners can also choose extended replacement cost coverage, which will pay up to double the dwelling coverage limit if home rebuilding costs are higher than expected in a covered claim.

The company’s auto insurance offers some extra options. Drivers can choose the vanishing deductible program, which reduces your deductible over time as long as you drive safely. You can also add the total loss deductible waiver, which waives your comprehensive or collision deductible if your car is totaled.

The company’s pay-per-mile car insurance program, SmartMiles, is available in most states. If you don’t drive often, you might save on car insurance by opting into the program. You’ll pay a base rate that stays the same, plus a per-mile monthly rate.

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

• Maintaining an accident-free driving record.

• Signing up for automatic payments or paperless billing.

• Driving a car with an anti-theft device.

• Having smoke detectors, fire alarms or other protective devices installed in your home.

• Insuring a home bought in the last year.

• Living in a gated community.

One final option worth considering is Travelers, which advertises a discount of up to 13% on auto insurance when you bundle it with a homeowners policy. The company has strong customer satisfaction, with few complaints to state regulators for a company of its size.

Homeowners can upgrade to contents replacement cost coverage, which pays for new items if your belongings are damaged or lost in a covered disaster. If you choose Green Home coverage, Travelers may cover extra costs for using environmentally friendly construction materials when rebuilding your home after a covered claim.

Travelers’ auto insurance also offers useful add-ons. Its Responsible Driver Plan forgives one accident and one minor violation over a specified period. The Premier Responsible Driver Plan does the same but also includes a decreasing deductible — $50 off for every six months of good driving, up to $500 off your deductible.

Besides a home and auto bundling discount, you may qualify for savings by:

• Insuring multiple vehicles.

• Insuring a vehicle less than 3 years old.

• Getting a quote before your policy expires.

• Installing protective devices in your home, like smoke detectors, fire alarms or security systems.

• Having your house certified as a “green home” by the U.S. Green Building Council’s Leadership in Energy and Environmental Design, or LEED, rating system.