Car And Home Insurance Bundles In Ohio 2024

From my experience as a licensed insurance agent who has bundled home and auto insurance, State Farm has proven to be the best all-around option.

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

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Written by Bob Phillips
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If you’re in Ohio and seeking the most affordable home and auto insurance bundles, your search ends here. With my extensive experience as an insurance agent spanning over 15 years, I’ve been dedicated to finding clients the best coverage at competitive rates.

In this guide, I’ll provide the insights needed to steer clear of these pitfalls. We’ll examine comparison charts, customer ratings, and my own experiences to give you a thorough understanding of the best and most cost-effective home and auto bundle companies in Ohio.

By the end of this guide, you’ll have the knowledge to make an informed decision that safeguards your home and vehicle without breaking the bank.

Best Home And Auto Insurance Bundles In Ohio, 2024

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

Compare The Best Home And Car Insurance Bundles In Ohio

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

$1,510

Instant Quote
GEICO
4.6

Discounts

A++

801

$1,690

Instant Quote
Farmers
4.5

Cheapest

A

813

$1,970

Instant Quote
Allstate
4.8

Runner-Up

A+

809

$1,602

Instant Quote
Nationwide
4.7

Add-On Captions

A+

797

$1,988

Instant Quote
Scroll to see comparisons

Best Car And Home Insurance Bundles in Ohio


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

In Ohio, State Farm is esteemed as the best overall choice for home and auto insurance, due to its exceptional financial strength and competitive pricing. Both A.M. Best and S&P Global Ratings have awarded State Farm high ratings, confirming its strong financial condition. This assurance means policyholders can rely on State Farm to fulfill their obligations promptly. Moreover, State Farm offers annual premiums that are below average for many drivers, making it a cost-effective option for residents in Ohio.

State Farm’s top-ranking status is bolstered by its financial stability and affordability, as well as its comprehensive coverage options and personalized service. Whether you require auto, home, or life insurance, or coverage for recreational vehicles such as ATVs or RVs, State Farm provides tailored solutions to suit various needs. Additionally, their community-focused approach ensures local assistance, enabling you to customize your insurance quote online or contact a nearby agent directly.

State Farm’s commitment to delivering exceptional customer experiences is a key factor in its recognition as the best in Ohio. Achieving an impressive rating of 838 from J.D. Power reflects State Farm’s consistent ability to exceed policyholder expectations and ensure high levels of customer satisfaction.

Finding the top home and auto bundle insurance company in Ohio is important for your financial protection. The right insurer offers complete coverage to safeguard your most valuable assets – your home and car. By bundling these policies, you can achieve significant savings, streamline your insurance management, and enjoy the ease of dealing with one provider.

Benefits & Drawbacks

Benefits
  • Attractive rates with bundle packages
  • High-quality customer support
  • Solid financial footing
Drawbacks
  • No gap insurance
  • Lengthy claims processing
  • Limited 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

When it comes to bundling home and auto insurance in Ohio, Allstate is an excellent option due to its competitive prices. Allstate offers significant savings through its bundle discounts, enabling Ohio to save up to 25% by bundling their home and auto policies.

One unique offering from Allstate is their HostAdvantage home-sharing insurance, which gives additional coverage for homeowners who rent out their homes. They also provide a Responsible Payment Discount to customers with a good payment history. Despite mixed customer satisfaction ratings, the low prices and great coverage options from Allstate make it a compelling choice for bundling home and auto insurance in Ohio.

Choosing to bundle home and auto insurance with a reputable company in Ohio is a smart move for securing your assets. This strategy consolidates your coverage under one trusted provider, leading to substantial savings, easier policy management, and efficient claims processing. A top-rated insurer ensures quick and fair claim settlements and excellent customer support, providing confidence and peace of mind.

Benefits & Drawbacks

Benefits
  • Competitive pricing
  • Numerous coverage options
  • Energy-efficient replacement coverage
Drawbacks
  • Mixed customer feedback
  • Claims processing can be slow
  • Relies on local agents

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

In Ohio, Farmers is the most cost-effective option for bundling home and auto insurance. Its premiums are much lower than those of many competitors, providing comprehensive coverage without straining your budget. Moreover, bundling with Farmers can save customers an average of 20% on their policies, making it even more budget-friendly.

In addition to its low rates, Farmers Insurance provides top-tier coverage and significant savings. Ohio residents can tailor their policies with comprehensive options, including dwelling, personal property, liability, and additional living expenses coverage for homeowners, and comprehensive, collision, and liability coverage for auto insurance. Farmers also offers numerous discounts based on policy details and location, allowing customers to unlock multiple savings opportunities.

Choosing an insurance company with low rates for bundling home and auto insurance in Ohio is a wise move. This decision consolidates your coverage under one trusted provider, saves you significant money, and makes managing your policies simpler.

Benefits & Drawbacks

Benefits
  • Many discount opportunities
  • Broad coverage options for home and auto
  • Lowest bundle premiums
Drawbacks
  • Customer service can be inconsistent
  • Limited online tools
  • Higher rates for drivers with high risk

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

As a premier choice for bundle insurance in Ohio, Nationwide stands out for its numerous add-on options. This includes smart home discounts, providing substantial savings for homeowners with smart home devices. Nationwide also offers term life and pet insurance as part of its bundles, ensuring comprehensive coverage.

Nationwide’s add-ons offer an extra layer of protection and convenience, like home rental coverage for temporary relocations after a covered loss. Additionally, customers can save up to 20% by bundling home and car insurance, making Nationwide a comprehensive and cost-effective choice.

Basic home and auto insurance coverage might not be enough for your needs. Find a bundle with numerous add-ons to get better protection. These extra features help you customize your policy, providing more than just basic coverage. Roadside assistance for your car or flood protection for your home can be crucial in unforeseen circumstances.

Benefits & Drawbacks

Benefits
  • Known for high-quality customer service
  • Features more than 10 coverage add-ons
  • Save 20% by bundling
Drawbacks
  • Limited online service capabilities
  • Prices aren’t the most competitive
  • Relies on local agents for support

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

Using GEICO for bundled insurance in Ohio is an effective way to save on both home and auto policies. The multi-policy discount from GEICO is a key benefit, automatically applying when you combine auto coverage with homeowners, renters, condo, or mobile home insurance. GEICO also provides discounts for students, military personnel, and federal employees, making it a flexible option for diverse customer needs.

GEICO’s savings options extend beyond just bundled insurance discounts. For example, you might receive a discount of up to 25% on your car insurance coverages when you insure more than one vehicle with GEICO. Additionally, discounts are available through memberships, organizational affiliations, or employee status, giving you more opportunities to save.

Combining home and auto insurance in Ohio can lead to significant financial benefits. Companies providing multiple discounts reduce your financial burden and reflect a strong commitment to customer satisfaction. Discounts such as those for multi-policy, claims-free, and loyalty can contribute to a substantial decrease in your yearly premium.

Benefits & Drawbacks

Benefits
  • Excellent digital access for customers
  • Competitive rates
  • Many policy discounts
Drawbacks
  • Some complaints about customer service
  • Prices might increase unexpectedly
  • Limited local office network

The Cheapest Non-Bundle Combinations In Ohio

Auto Insurance Company Home Insurance Provider Annual Premium
Travelers Nationwide $2,068
Farmers Nationwide $2,231
Travelers State Farm $2,199
State Farm Farmers $1,758
Nationwide Travelers $1,779
Travelers Farmers $1,978
Allstate State Farm $2,142
Farmers Travelers $2,035
State Farm Travelers $1,650
Allstate Travelers $1,830
Farmers State Farm $2,359
Farmers Allstate $2,267
Travelers Allstate $2,117
Nationwide Allstate $2,012
Allstate Nationwide $2,026
State Farm Nationwide $1,847
Nationwide Farmers $1,863
State Farm Allstate $1,899
Allstate Farmers $1,924
Nationwide State Farm $2,096

Average Home And Auto Insurance Rates In Ohio By City

City Avg. Monthly Home Insurance Rate Avg. Monthly Auto Insurance Rate Avg. Monthly Rate Of Bundled Policies
Columbus $120 $132 $200
Cleveland $118 $138 $190
Cincinnati $115 $129 $180
Toledo $124 $140 $170
Akron $110 $127 $160
Dayton $130 $142 $180
Parma $109 $115 $170
Canton $106 $120 $160
Youngstown $115 $127 $150
Lorain $111 $117 $170

 

Reasons You Should Bundle Your Insurance Policies

Simplified Insurance Management

Bundling insurance also offers the benefit of convenience. Managing separate policies from different insurers can be a hassle, with separate bills, renewal dates, and contact points. By bundling your home and auto insurance, you simplify management, reduce paperwork, and avoid the inconvenience of dealing with multiple insurance providers.

Significant Savings On Premiums

Merging your home and auto insurance can result in substantial savings on premiums. Experian notes that bundling could save you up to 25%. Insurers often offer these discounts to customers who buy multiple insurance products from the same company.

Enhanced Customer Service Experience

A significant yet often overlooked advantage of bundling your home and auto insurance is the superior customer service experience. Bundling your policies makes you a more valuable customer, which usually translates to better attention to your needs, quicker responses, and more personalized service.

Reasons You Should Not Bundle Your Insurance

Risk Of Overlooking Better Deals

When you bundle your insurance, it can sometimes cause complacency, leading you to miss out on better deals from other insurers. If a bundle saves you money, you might not feel the need to shop around at renewal time, potentially resulting in missed significant savings or better coverage options from other companies.

Potential For Higher Rates

Despite the overall savings potential, bundling home and auto insurance can occasionally lead to higher costs. This happens because an insurer might offer competitive rates for auto insurance but not for home insurance. As a result, purchasing both policies from the same company might make you pay more than necessary for one policy.

Limited Flexibility

When you bundle your insurance policies, you might find yourself limited in coverage options and flexibility. Each insurer has its strengths and weaknesses – one that excels in auto insurance may not be as strong in home insurance. Bundling could mean sacrificing the chance to get the best possible coverage for each policy from different companies.

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 initial step in bundling your home and auto insurance is understanding your coverage needs. Evaluate the value of your home and vehicle, determine the protection level required, and consider specific needs based on your location or personal situation. This step ensures you get a bundle that provides adequate protection.

1

Gather Information About Your Home And Vehicle

After deciding on your coverage needs, gather all the pertinent information about your home and vehicle. This includes information such as the age and condition of your home, security features, your car’s make and model, your driving history, and other relevant details. Insurance providers will use these details to provide you with accurate quotes.

2

Compare Quotes From Different Insurers

Once you’ve assembled all the necessary information, begin shopping for quotes from different insurers. You can do this online or by contacting an insurance agent. To ensure you’re getting the best deal, gather quotes from several companies. When comparing, consider both the price and the specifics of the coverage, including any exclusions.

3

Review Each Offer Thoroughly

After obtaining a number of quotes, take time to review each one in detail. Consider the coverage specifics, deductibles, policy limits, and any added benefits. Additionally, assess the insurer’s reputation, their customer service, and their claims handling process.

4

Make Your Purchase

Once you’ve gone through all the offers and decided which bundle is right for you, go ahead and make the purchase. Be diligent in reading the policy documents before signing. After you’ve completed the purchase, store all your insurance documents safely and review your policies annually to ensure they still fulfill your requirements.

5

Our Methodology

To ensure accurate and trustworthy insurance company ratings, we employ a detailed methodology. We assess numerous insurers, utilizing insights from reputable review sites and critical metrics from industry authorities such as A.M. Best and J.D. Power. With my 15 years of experience as an insurance agent, we enhance our analysis with firsthand knowledge, ensuring our ratings are reliable guides for your insurance decision-making process.

75

Quotes Analyzed

35

Brands Reviewed

30+

Research Hours

15+

Years Of Experience

FAQs

How much can I save with bundled insurance?

Savings from bundling insurance policies typically range from 10% to 25% per policy. The actual savings you achieve will depend on the insurance provider, your location, and the specifics of the policies you bundle.

Which insurance policies can I bundle together?

Most people opt for a bundle that combines home and auto insurance, covering both their home and vehicles. Yet, some insurers also provide bundles that incorporate other policies like renters, condo, boat, motorcycle, and even life insurance.

Who offers the best insurance bundle policies?

Known for its exceptional bundling options, State Farm is frequently highlighted for its high customer ratings and impressive industry awards.

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