Best Home And Car Insurance Bundles In California 2024

Being a former California resident with bundled home and auto insurance from various providers, I’ve concluded that State Farm offers the best overall service.

We’ve saved shoppers an average of $450 per year on their home insurance.

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Updated: 05 November 2024
Written by Bob Phillips
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Looking for the top affordable home and auto insurance bundles in California? You’re in luck. With over 15 years in the insurance industry, I’ve assisted many in finding great coverage at a reasonable price.

This guide is designed to equip you with the knowledge and insights needed to steer clear of these pitfalls. We’ll explore comparison charts, customer ratings, and my own experiences to offer a thorough look at the most affordable and top-rated home and auto bundle companies in California. By the time you finish reading, you’ll have the tools to make a well-informed decision that safeguards your home and vehicle without breaking the bank.

Best Home And Car Insurance Bundles In California, 2024

state-farm-icon-logo-red
Best Overall - State Farm
allstateicon-logo
Best Runner-Up - Allstate
farmersicon-logo
Cheapest - Farmers
Best Bundle Insurance, California, 2024

Compare The Best Home And Car Insurance Bundles In California

Overall Rating Best For A.M. Best Rating J.D. Power Rating Average Bundle Cost Get A Quote
State Farm
4.9

Overall

A++

838

$2,380

Instant Quote
Allstate
4.8

Runner-Up

A+

809

$1,892

Instant Quote
Farmers
4.5

Cheapest

A

813

$2,784

Instant Quote
Nationwide
4.7

Add-On Captions

A+

797

$3,109

Instant Quote
GEICO
4.6

Discounts

A++

801

$3,575

Instant Quote
Scroll to see comparisons

Best Home And Car Insurance Bundles in California 2024


Best Overall

Overall Rating
4.9

Key Statistics

9/10 Affordability
10/10 Customer Reviews
8/10 Claim Payouts
9/10 Coverage Level

Why We Like Them

State Farm is recognized as the top choice for home and auto insurance in California, thanks to its strong financial stability and competitive pricing. Both A.M. Best and S&P Global Ratings have awarded State Farm high ratings, highlighting its excellent financial health. This assurance ensures policyholders that State Farm can fulfill its commitments promptly. Moreover, State Farm provides lower-than-average annual premiums for numerous drivers, making it a cost-efficient option for California residents.

Besides being financially stable and affordable, State Farm’s extensive coverage choices and personalized service solidify its top-ranking status. Whether you require car, homeowners, or life insurance, or basic coverage for recreational vehicles like ATVs or RVs, State Farm caters to varied insurance needs. Additionally, their community-focused approach ensures that assistance is readily available, allowing you to customize your quote online or connect with an agent directly.

State Farm’s dedication to providing outstanding customer experiences is a significant factor in its recognition as the best in California. Achieving a remarkable rating of 838 from J.D. Power underscores State Farm’s commitment to consistently surpassing policyholder expectations and ensuring high levels of customer satisfaction.

Choosing the top home and auto bundle insurance company in California is essential for your financial well-being. The right company provides complete coverage to protect your most important possessions – your home and car. Bundling these policies can lead to big savings, simpler insurance handling, and the ease of working with one provider.

Benefits & Drawbacks

Benefits
  • Competitive prices when bundled
  • Outstanding customer support
  • Solid financial stability
Drawbacks
  • No gap insurance available
  • Claims can take a long time to process
  • Few discounts offered

Best Runner-Up

Overall Rating
4.8

Key Statistics

9/10 Affordability
9/10 Customer Reviews
9/10 Claim Payouts
9/10 Coverage Level

Why We Like Them

Allstate is a top pick for bundling home and auto insurance in California, largely because of its competitive rates. The company provides significant savings through bundle discounts, with California residents able to save up to 25% by combining their home and auto policies with Allstate.

A special feature of Allstate is their HostAdvantage home-sharing insurance, which gives extra protection to homeowners who rent out their properties. Additionally, Allstate offers a Responsible Payment Discount to customers with a good payment history. Despite mixed customer satisfaction ratings, Allstate’s affordable rates and excellent coverage options make it a strong choice for bundling home and auto insurance in California.

Choosing a reputable insurance company that bundles home and auto insurance in California is a smart move for securing your assets. This strategy not only combines your coverage with one reliable provider but also offers substantial savings, easier policy management, and smooth claims processing. A top-rated insurer ensures quick and fair claim settlements and excellent customer support, giving you peace of mind.

Benefits & Drawbacks

Benefits
  • Affordable pricing
  • Diverse coverage options
  • Coverage for energy-efficient replacements
Drawbacks
  • Varied customer reviews
  • Slow claims processing
  • Reliant on local agents

Best For Add-Ons

Overall Rating
4.7

Key Statistics

7/10 Affordability
9/10 Customer Reviews
8/10 Claim Payouts
9/10 Coverage Level

Why We Like Them

Nationwide is a leading choice for bundle insurance in California because of its wide range of add-ons. This includes smart home discounts, which offer significant savings for homeowners with smart home technology. Additionally, Nationwide includes term life and pet insurance in its bundle options, providing comprehensive coverage for various aspects of customers’ lives.

Nationwide offers add-ons for extra protection and convenience, like home rental coverage for temporary relocations due to covered losses. Additionally, bundling home and car insurance can save customers up to 20%, making Nationwide a comprehensive and cost-effective choice.

Simply having basic coverage for your home and auto insurance may not be enough. It’s important to look for a bundle that includes a variety of extra features. These add-ons let you customize your policy to fit your specific needs, offering protection beyond the basics. From roadside help for your car to flood insurance for your home, these extras can be crucial in emergencies.

Benefits & Drawbacks

Benefits
  • Known for outstanding customer service
  • Offers over 10 additional coverage options
  • Save 20% with bundle deals
Drawbacks
  • Limited online features
  • Pricing may not be the best
  • Relies on local agents

Best For Discounts

Overall Rating
4.6

Key Statistics

9/10 Affordability
7/10 Customer Reviews
7/10 Claim Payouts
9/10 Coverage Level

Why We Like Them

Opting for GEICO’s bundled insurance in California can be a smart way to save on both your home and auto policies. GEICO’s multi-policy discount is a major benefit, automatically applying when you combine auto insurance with homeowners, renters, condo, or mobile home coverage. Additionally, GEICO offers discounts to students, military members, and federal employees, making it a flexible choice for many customers.

GEICO not only gives great discounts on bundled insurance, but also offers several other ways to save. For example, insuring multiple cars with GEICO can lead to discounts of up to 25% on many of your auto coverages. GEICO also provides discounts for memberships, organizations, or employees, increasing your chances for additional savings.

Bundling home and auto insurance in California can offer significant financial savings. A company that provides various discounts not only eases your financial load but also shows its dedication to customer satisfaction. Discounts like multi-policy, claims-free, and loyalty can all lead to a notable decrease in your yearly premium.

Benefits & Drawbacks

Benefits
  • Great online access for users
  • Affordable rates
  • Various policy discounts available
Drawbacks
  • Some customers report issues with service
  • Prices can occasionally rise unexpectedly
  • Few local offices available

Cheapest Home And Auto Bundles In California 2024


Cheapest

Overall Rating
4.5

Key Statistics

10/10 Affordability
7/10 Customer Reviews
7/10 Claim Payouts
8/10 Coverage Level

Why We Like Them

Farmers is the most budget-friendly option for bundling home and auto insurance in California. With premiums lower than many competitors, it offers comprehensive coverage without breaking the bank. Additionally, Farmers’ bundling option saves customers an average of 20% on their policies, making it even more affordable.

Besides its competitive rates, Farmers Insurance offers excellent coverage and substantial savings. California residents can tailor their policies to fit their needs with options like dwelling, personal property, liability, and additional living expenses coverage for homeowners, as well as comprehensive, collision, and liability coverage for auto insurance. Farmers also provides many discounts based on policy and location, giving customers various ways to save.

Opting for a reliable insurance company that offers low rates for bundling home and auto insurance in California is a strategic choice. This move not only combines your coverage under a single provider but also unlocks substantial savings and makes policy management easier.

Benefits & Drawbacks

Benefits
  • Numerous discount opportunities
  • Extensive coverage options for home and auto
  • Most affordable bundle premiums
Drawbacks
  • Customer service may be inconsistent
  • Limited online features
  • Higher rates for high-risk drivers

The Cheapest Non-Bundle Combinations In California

Auto Insurance Company Home Insurance Provider Annual Premium
Farmers Allstate $2,462
Travelers State Farm $2,691
State Farm Allstate $2,382
Farmers State Farm $2,622
State Farm Allied $2,920
Allstate State Farm $2,160
Allstate Farmers $2,610
State Farm Travelers $2,531

Average Home And Auto Insurance Rates In California – By City

City Avg. Monthly Home Insurance Rate Avg. Monthly Auto Insurance Rate Avg. Monthly Rate Of Bundled Policies
Los Angeles $167 $216 $290
San Francisco $146 $178 $260
San Diego $120 $158 $240
San Jose $115 $150 $240
Sacramento $120 $130 $220
Fresno $125 $155 $200
Long Beach $133 $150 $230
Oakland $135 $186 $240
Bakersfield $100 $120 $210
Anaheim $149 $170 $230

Reasons You Should Bundle

Significant Savings On Premiums

Combining your home and car insurance can lead to significant reductions in your premium costs. Experian reports that bundling your policies might save you as much as 25%. This discount is typically provided by insurers to encourage customers to buy several types of insurance from the same company.

Simplified Insurance Management

Bundling your insurance also offers the benefit of convenience. Dealing with separate policies from different insurers means multiple bills, renewal dates, and contacts, which can be a hassle. By bundling, you streamline managing your home and auto policies, reduce paperwork, and avoid the inconvenience of dealing with multiple insurance companies.

Enhanced Customer Service Experience

A significant but often overlooked benefit of bundling your home and auto insurance is the enhanced customer service experience. By bundling, you become a more important client to the insurer, which usually means better service, faster responses, and more personalized attention.

Reasons You Should Not Bundle

Potential For Higher Rates

Even though bundling home and auto insurance can save you money overall, it might sometimes lead to higher costs. This happens because a company with great rates for auto insurance may not be as affordable for home insurance. Thus, getting both policies from the same insurer could mean overpaying for one of them.

Limited Flexibility

Bundling your insurance policies can limit your coverage options and flexibility. Each insurer has its own strengths and weaknesses – one might excel in auto insurance but fall short in home insurance. By bundling, you might miss out on getting the best coverage for each policy from different providers.

Risk Of Overlooking Better Deals

Bundling your insurance can sometimes make you complacent, making you miss out on better deals from other insurers. If a bundle saves you money, you might not shop around at renewal time. This could lead to missing significant savings or better coverage from other providers.

How To Bundle Home & Auto Insurance

Here are five steps to bundling your auto and home insurance easily and efficiently:

Determine Your Coverage Needs

The first step to bundling your home and auto insurance is understanding your coverage needs. Evaluate the value of your home and car, determine the level of protection you need, and consider any specific coverage requirements based on your location or personal circumstances. This initial assessment is essential to ensure you get the right bundle.

1

Gather Information About Your Home And Vehicle

After assessing your coverage requirements, collect all pertinent details about your home and vehicle. This should include information such as the age and state of your house, any installed security features, your car’s make and model, your driving history, and any other relevant data. Insurers will use this to give you precise quotes.

2

Compare Quotes From Different Insurers

Once you’ve collected all the required information, begin requesting quotes from various insurance providers. You can either search online or speak with an insurance agent. To find the best deal, make sure to get quotes from several companies. When comparing, look at both the price and the specifics of the coverage, including any exclusions.

3

Review Each Offer Thoroughly

After receiving multiple quotes, carefully examine each one. Pay attention to the coverage details, deductibles, policy limits, and any extra benefits included. Also, take into account the insurer’s reputation, customer service, and their claims handling procedures.

4

Make Your Purchase

After evaluating all the offers and choosing the bundle that fits your needs, proceed with the purchase. Make sure to read the policy documents thoroughly before signing. Once you’ve made the purchase, store all insurance documents safely and review your policies each year to confirm they still meet your needs.

5

Our Methodology

To ensure our insurance company ratings are precise and dependable, we use a thorough methodology. We assess numerous insurers, drawing insights from respected review sites and key metrics from industry leaders like A.M. Best and J.D. Power. With my 15 years of experience as an insurance agent, we enhance our analysis with firsthand expertise, ensuring our ratings are reliable guides for your insurance decisions.

54

Quotes Analyzed

17

Brands Reviewed

30+

Research Hours

15+

Years Of Experience

FAQs

How much can I save with bundled insurance?

Combining your insurance policies can result in significant savings, usually between 10% and 25% per policy. However, the amount you save can differ based on the insurer, your location, and the details of your policies.

Which insurance policies can I bundle together?

The most typical bundle includes home and auto insurance, offering complete coverage for your home and vehicles. However, some insurers also combine other types of policies, such as renters, condo, boat, motorcycle, and even life insurance.

Who offers the best insurance bundle policies?

State Farm is renowned as a top choice for insurance bundles, frequently receiving high customer ratings and industry awards.

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