Yes we do and we get a discount. HOWEVER, we also get great service with our company - so we are not just looking at price but service too. We have home, auto, life bundled. (We have other life insurance too.) Bunny, I'm assuming since you have SF, you are happy with their service? If I were you and happy with their service/coverage, etc. then I would bundle and save money. Honestly, we have an excellent agent that we really like and it is so much easier to go to one person for everything.

Yes all of mine is from State Farm. I've been happy with it so I don't shop around. I could probably get it cheaper but sometimes you get what you pay for. Last time I decided to change was when I first got married - cheaper car insurance from Allstate or some such brand. Went through the motions only to find out it would be much more expensive because of DH's speeding tickets (which I didn't know about). Quickly went back to State Farm before they discovered the same thing. Been there ever since.

Flo, is that you?

Hope I don't jinx myself (not the good Jinx), but I haven't had to make a single claim on either policy. So I don't have any experience with when the chips are down.

I just happened to receive my pre-invoice policy from AAA so I was able to itemize all the coverage. I suppose in the spirit of fairness and thorough research I ought to ask what AAA could do for me if I bundled with them. I just don't have the bandwidth to go another round over the phone with an agent.

Yes. I had State Farm forever, but when DH and I got married and bought our first house a little over 20 years ago, he had Allstate. I didn’t reallly care, so we just went with his. We now have two houses, 4 cars, a boat, and umbrella with Allstate. No complaints. Love our agent. I feel like they’re great at finding us discounts.

Yes, we bundle ours with USAA. We’ve been very happy with them, their prices and their service.

Not an option here really, our auto insurance - the main parts of it anyway, are with a government agency. We have to buy our basic and liability from the governement corporation but are free to shop around with other insurance companies for collision and such. And for anyone reading this, if you have underinsured mototist protection from ICBC, it DOES NOT cover you if you are hit by an uninsured driver. Ask me how I know...

Edited to add that I am in Canada, so very different rules and regulations I'm sure.

nekotish, I was hit by an uninsured driver several years ago. No injuries, and in the end repairs cost me nothing but quite a bit of my time.

We'd been bundled with Allstate forever. Our agent had just retired, and when I went into the office with the police report the new agent basically gave me several tasks to do myself, said good luck, and left all the details to me. Even suggesting I should attend the court hearing for the other driver to make sure only the truth was told....in a city an hour away.

Claim finished, everything paid with no expense to me, I dumped him. I'm now bundled home and two vehicles with a smaller agency. I'm beginning to feel like we're paying quite a bit for homeowners and full coverage one car, one truck but I haven't shopped around in years now and probably should. I've had a small claim with the new agent, she took care of everything for me. That influences my decision too....

Yes, with Farm Bureau. They were wonderful not raising rates when each of our sons had a few mishaps. :)

Year before last we bundled everything with Farm Bureau—3 houses, auto, golf cart (required here), and umbrella liability. Some policies are cheaper, others aren’t, but it is so EASY to have it all in one place that I wish I had done it earlier for the sheer convenience.

We have had all of ours, home, auto, personal property, with Alfa, which i think may be only in Alabama but is similar to Farm Bureau. They have been excellent. My DD had State Farm and changed a couple of years ago to Alfa after some issues with SF. A poor agent was only part of it.

Our insurance broker reevaluates out home and car policies every year. So, no, we get much better coverage/prices from different carriers.

We have always bundled home, auto, umbrella and boat (when we had one). In IL Farmers Ins was very good to us - great agent, on top of everything - but they don't insure in NC. We tried Farm Bureau but it was not a good fit for us and have been satisfied with Penn National so far. To me the broker is key.

USAA. We each had our own and merged when we married. We've never sought price comparison because we like their services and I'd rather have a root canal to attempt doing so.

Although I got into a scrape yesterday and USAA doesn't have accident forgiveness so we'll see how this goes 😬

Farm Bureau is who we have also.

We bundle with SF and are satisfied with the service, although I often wonder if we couldn't do better with an independent broker evaluating yearly. We just aren't willing to expend the energy required or gamble on a new agent/policy.

My insurance has probably always been bundled. My dad worked for Allstate when I was young and then started his own independent agency. Since my dad's passing and my sister and BIL's divorce (they bought the business), I left the agency and shopped our coverage. We are now using a broker who shopped several carriers, including reviewing what we had with our then carrier. It turned out that staying bundled but with a new carrier was our best deal. We are with Traveler's now and they have been excellent. It's almost as good as having my dad as my agent again. Sometimes easier. (Love you, Dad!).

I’ve always bundled. I’ve been with Alfa (Alabama), Allstate, American National and USAA. I was with USAA for ages and even did my mortgage through them when I divorced four years ago. This year I finally decided to shop around and landed with Progressive. The homeowners wasn’t much less, but the auto was less than half the cost for the same coverage. I’ve only ever had windshield claims (knock on wood), so the claims experience isn’t a big driver for me.

I really really appreciate all your input. I always get a pitch from both AAA and State Farm most years to bundle, but this is the first time I let them run all the numbers. I told them I'd need the weekend to decide. I can stay as is, or bundle and save $31/month. What to do? What to do? :)

We bundle auto and home insurance with State Farm, and they gave us the best prices.

It might vary from state to state.

First I owned a car and got my Horace Mann car insurance which beat out USAA for cost. It was a natural progression that I would ask them when it came time to need Home Owners Insurance/Life Insurance. We've always had superior service. They've always given discounts for having all your business with them. I doubt that's a NEW innovation (Sorry Flo).

Yes, we bundle our Hanover Citizens home and auto and get a good discount because of it. We also get a longevity discount because we have been with them for years.

Bunny, that's nearly $400 a year and the convenience of dealing with one company -- possibly combined billing if you deal direct. If you work with a broker or independent agent for both, the convenience of one or two companies may not be any different for your. If you are happy with the company you would go with and haven't been hearing any reasons not to use them for the other coverage, why not save $372 a year?

Yes, with State Farm. We tried insurance brokers twice, but it was a disaster both times.

I have one house with a T-lock roof. One house with asbestos siding. One that's in a high fire zone. Progressive will insure my vehicles, but NOT my primary home. State Farm won't give me a decra class 4 roof discount of $1000,but American Family Insurance will. But American Family won't insure a T-lock roof. My policies used to be ALL over the place. Then my vehicles. Some would say my SUV is a normal vehicle, another insurance company says it's a high end sports car. Right now....I have it down to American Family & State Farm. Shopping around with so many properties, with so many special needs is VERY time consuming. It's easier to just stay put.

I bundle mine with USAA: home, car, and umbrella. Overall, I’m pleased to have everything in one place.

Re: Farm Bureau. My father had had FB insurance for eons. When he died, FB abruptly canceled the insurance on the house because it was no longer ”owner occupied,” which was the dumbest thing I’ve ever heard. His wife who lived in the house before he died, continued to live in the house after he died. But because title was transferred to me as the trustee for the marital estate, FB ruled it ”not owner occupied.” 🤦🏻‍♀️

@bbstx, I”m wondering if that is a stste to state thing? We had Farm Bureau on a home inherited and we, the owners, never lived in. The house was empty for some time, while we emptied and remodeled it. Sold it about five years later. We had FB coverage the whole time.

Same state, Tina. If the house you inherited were empty, that may be the key. Daddy’s house was not empty. And, the house was occupied by someone who had no ownership interest in it.

No I meant if the rules varied from state to state, meaning you and I are not in the same state.

We have had great service from them, especially good since we seem to live on "hail hill" and have had to file claims more than once for damage (on the house we live in, not the inherited one).

I bundled everything with State Farm, and also got a very reasonable umbrella liab policy, a couple months before a very complicated traffic accident that is yet to be figured out 4 years later! I would highly recommend getting a quote. Mine covers 2 million extra over ALL my underlying policies, cars, boat, cabin, rental, home, 4 wheeler, etc . for very cheap. It sure gives you peace of mind when anything can happen through no fault of your own.

I have both house and car with Chubb. Chubb is not cheap, but does have discounts for having multiple policies (house, car, etc.) with them, burglar alarm, sprinkler system, no mortgage, backup generator, etc.

@nicole___ -- Chubb is well known for handling wildfire coverage well. You might want to get a quote.

I ended up bundling with State Farm. As soon as my paperwork arrives, I'll let AAA know. Thanks all for your good and practical advice.

bbstx and Tina Marie, homeowners insurance is written for owner occupied properties. Vacant and rented properties have different kinds of coverage because they have different kinds of risk. If a carrier becomes aware of the vacancy, I would expect them to require a change. If there had been a claim on the vacant house when the policy was written when owner occupied, it is quite possible, if not probable, that the claim could be denied based on the change in status. There is probably a period for transition or work being done, but it might be 30-90 days, not years.

Lascatax, that is what has happened with my parents’ house. They had moved into nursing care for a few years, but the year after the second one died our agent said that he could no longer list it as owner-occupied. I can’t wait to sell it.

Interesting Lascatax. The insurance was in our name (as owners), but we never lived there. We did not rent the house until a couple of years later. At that time we notified our insurance that the house would be a rental, and of course, the policy was written up as such. Our agent knew that when we first aquired and insured the house, that we would not be living there. Possibly something was written up in the policy at that time; I don't remember as that was several years ago. Same as bpath, my grandmother was in assisted living (policy in her name at that time). We had great renters for a few years, then they moved away. At that point, we were ready to sell. Even though we had great renters, being a landlord was not for me LOL.