Best Home And Auto Insurance Bundles In Georgia 2024

Having bundled home and auto insurance with different companies, my experience shows that State Farm stands out as the best overall  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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Are you in Georgia and looking for the best deals on home and auto insurance bundles? You’ve found the right place. With my extensive background as an insurance agent spanning over 15 years, I’ve assisted many in finding affordable coverage solutions.

The consequences of inadequate insurance can be significant. Imagine returning home to find your house damaged by a flood or being in a car accident and realizing your insurance won’t cover the repairs. Worse still, think about paying high premiums for years, only to discover you could have had equivalent coverage for much less. These scenarios are real—I’ve witnessed them firsthand, and trust me, it’s a situation you want to avoid.

In this guide, I’ll provide insights to help you avoid these pitfalls. We’ll examine comparison charts, customer ratings, and my own experiences to give you a thorough understanding of the best and most economical home and auto bundle companies in Georgia. By the end of this guide, you’ll be equipped to make a well-informed decision that protects your home and vehicle without unnecessary expenses.

Best Home And Auto Bundle Insurance In Georgia, 2024

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

Compare The Best Home And Auto Bundles In Georgia

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

$3,603

Instant Quote
Allstate
4.8

Runner-Up

A+

809

$3,010

Instant Quote
Farmers
4.5

Cheapest

A

813

$2,840

Instant Quote
Nationwide
4.7

Add-On Captions

A+

797

$4,015

Instant Quote
GEICO
4.6

Discounts

A++

801

$3,598

Instant Quote
Scroll to see comparisons

Best Home And Auto Insurance Bundles in Georgia


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 distinguished as the top provider of home and auto insurance in Georgia due to its outstanding financial strength and competitive pricing. A.M. Best and S&P Global Ratings have given State Farm high ratings, confirming its solid financial standing. This financial stability ensures that State Farm policyholders can rely on the company to meet their obligations promptly. Moreover, State Farm offers annual rates that are cheaper than average for a wide range of drivers, making it a financially advantageous choice for Georgia residents.

Beyond its solid financial standing and competitive pricing, State Farm distinguishes itself with a broad array of coverage options and personalized service. Whether you’re seeking auto, homeowners, or life insurance, or basic coverage for vehicles such as ATVs or RVs, State Farm offers tailored solutions to meet diverse needs. Furthermore, their community-driven approach ensures accessible support, allowing you to personalize your insurance quote online or connect with a nearby agent.

State Farm is recognized as the best in Georgia, largely due to its commitment to providing exceptional customer experiences. Achieving a notable rating of 838 from J.D. Power reflects State Farm’s consistent ability to exceed policyholder expectations and ensure strong customer satisfaction.

Finding the right home and auto bundle insurance company in Georgia is key to your financial safety. A good insurer provides complete protection for your home and car, your most valuable assets. By bundling your policies, you can enjoy significant savings, easier insurance management, and the convenience of one provider.

Benefits & Drawbacks

Benefits
  • Cost-effective when bundled
  • Great customer service
  • Financial stability
Drawbacks
  • No gap insurance
  • Claims can be slow
  • Few available discounts

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 Georgia, Allstate stands out for its competitive pricing. Allstate offers significant savings through its bundle discounts, with Georgia residents able to save up to 25% when they bundle their home and auto policies.

Allstate offers a unique product called HostAdvantage home-sharing insurance, which provides additional coverage for homeowners renting out their homes. The company also rewards customers with a good payment history through its Responsible Payment Discount. While customer satisfaction ratings are mixed, Allstate’s affordable prices and great coverage options make it a strong contender for home and auto bundle insurance in Georgia.

Securing your assets by bundling home and auto insurance with a reputable Georgia company is a smart move. This decision consolidates your protection with a single trusted provider, leading to substantial savings, easier policy management, and efficient claims processing. A top-rated insurer ensures quick and fair claim settlements, along with excellent customer support, providing you with peace of mind.

Benefits & Drawbacks

Benefits
  • Competitive pricing
  • Broad range of coverage options
  • Energy-efficient replacement coverage
Drawbacks
  • Mixed customer ratings
  • Lengthy claims processing
  • Reliance 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

For Georgia residents, Farmers is the most affordable choice for bundling home and auto insurance. Its premiums are much lower than those of many other companies, offering comprehensive coverage without straining your budget. Additionally, Farmers’ bundling option can save customers an average of 20% on their policies, making it even more budget-friendly.

Beyond competitive pricing, Farmers Insurance offers outstanding coverage and ample savings opportunities. Georgia residents can customize their policies with comprehensive options such as dwelling, personal property, liability, and additional living expenses coverage for homes, and comprehensive, collision, and liability coverage for cars. Farmers also provides numerous discounts based on policy and location, helping customers save in multiple ways.

Choosing an insurance company known for low rates when bundling home and auto insurance in Georgia is a strategic move. This decision consolidates your coverage with one trusted provider, saves you significant money, and simplifies policy management.

Benefits & Drawbacks

Benefits
  • Many discount options
  • Wide array of coverage choices for home and auto
  • Lowest bundle premium rates
Drawbacks
  • Customer service may be uneven
  • Limited online functionality
  • Higher rates for high-risk drivers

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

In Georgia, Nationwide is a preferred choice for bundle insurance, thanks to its extensive add-on options. These include smart home discounts, which can save tech-savvy homeowners a lot. Nationwide also offers term life and pet insurance in its bundles, providing broader coverage for customers.

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

Opting for only basic home and auto insurance coverage may not be adequate. Look for a bundle that includes numerous add-ons to ensure comprehensive protection. These extras enable you to tailor your policy to your individual needs, going beyond the standard coverage. Roadside assistance for your car or flood protection for your home could be vital in emergencies.

Benefits & Drawbacks

Benefits
  • Noted for superior customer service
  • Offers more than 10 coverage add-ons
  • 20% savings when bundling
Drawbacks
  • Limited online features available
  • Not the lowest pricing around
  • Local agents are a key component

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

Choosing GEICO for bundled insurance in Texas can help you save on both home and auto policies. GEICO offers a multi-policy discount that automatically applies when you combine auto insurance with coverage for homeowners, renters, condos, or mobile homes. Furthermore, GEICO extends discounts to students, military members, and federal employees, making it a versatile option for various customers.

GEICO doesn’t just offer substantial discounts on bundled insurance; it also provides various other opportunities for savings. For instance, you could save up to 25% on your car insurance coverages by insuring multiple vehicles with GEICO. Additionally, GEICO provides discounts based on memberships, organizations, or employment, further increasing your savings.

Combining home and auto insurance in Georgia can provide considerable financial savings. When a company offers various discounts, it not only lessens your financial burden but also indicates its commitment to customer service. Discounts for multi-policy, claims-free, and loyalty contribute to a significant drop in your annual premium.

Benefits & Drawbacks

Benefits
  • Excellent online customer experience
  • Competitive pricing
  • Many discounts on policies
Drawbacks
  • Reports of customer service dissatisfaction
  • Rates can sometimes increase without notice
  • Limited number of local branches

Cheapest Non-Bundle Combinations In Georgia

Auto Insurance Company Home Insurance Provider Annual Premium
State Farm Nationwide $3,516
State Farm Allstate $3,759
Nationwide State Farm $4,534
Allstate State Farm $4,450
Nationwide Allstate $3,639
Allstate Nationwide $3,312

Average Home And Auto Insurance Rates In Georgia – By City

City Avg. Monthly Home Insurance Rate Avg. Monthly Auto Insurance Rate Avg. Monthly Rate Of Bundled Policies
Atlanta $190 $193 $242
Augusta $185 $145 $217
Columbus $201 $149 $208
Savannah $252 $157 $229
Athens $159 $140 $200
Sandy Springs $170 $186 $233
Roswell $165 $143 $229
Johns Creek $162 $175 $233
Albany $183 $134 $213
Warner Robins $180 $144 $221
Valdosta $188 $116 $208

Reasons You Should Bundle

Significant Savings On Premiums

Merging your home and car insurance policies can lead to considerable premium savings. Experian notes that bundling can help you save as much as 25%. This is because insurers often reward customers with multiple policies by offering discounts.

Simplified Insurance Management

The convenience of bundling insurance is another significant advantage. Handling multiple policies from different insurers involves separate bills, renewal dates, and contacts, which can be a hassle. Bundling your home and auto insurance simplifies management, reduces paperwork, and removes the inconvenience of dealing with multiple companies.

Enhanced Customer Service Experience

The superior customer service that comes with bundling your home and auto insurance is a significant but often overlooked advantage. By bundling, you become a more valuable client, which usually translates to better service, faster responses, and more personalized care.

Reasons You Should Not Bundle

Potential For Higher Rates

Despite the potential for savings, bundling home and auto insurance can occasionally lead to higher premiums. This happens because an insurer might offer great auto insurance rates but higher home insurance rates. Therefore, buying both policies from one company might result in overpaying for one.

Limited Flexibility

Bundling insurance policies can lead to limited coverage options and reduced flexibility. Every insurance company has its strong points and weak points, and a company good at auto insurance may not be as effective with home insurance. By bundling, you might miss out on obtaining the optimal coverage for each policy from different insurers.

Risk Of Overlooking Better Deals

Bundling insurance policies can sometimes result in complacency, causing you to miss out on better offers from other insurers. If a bundle is saving you money, you might not feel inclined to shop around at renewal time. This could mean missing out on significant savings or superior coverage options from other 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 home and auto insurance is to understand your coverage needs. Assess the value of your home and vehicle, decide on the level of protection required, and consider any specific needs based on your location or personal situation. This initial evaluation is vital to getting the right bundle.

1

Gather Information About Your Home And Vehicle

When you’ve determined the type of coverage you need, collect all relevant information regarding your home and vehicle. This includes specifics such as your home’s age and condition, installed security features, the make and model of your car, your driving record, and other key details. Insurance companies will use this information to give you accurate quotes.

2

Compare Quotes From Different Insurers

After you’ve gathered all the necessary details, begin obtaining quotes from various insurers. This can be done online or by contacting an insurance agent. It’s important to gather quotes from multiple companies to find the best offer. Compare not just the prices but also the coverage terms and any exclusions.

3

Review Each Offer Thoroughly

After gathering multiple quotes, take the time to scrutinize each one. Examine the coverage details, deductibles, policy limits, and any additional benefits provided. Also, review the company’s reputation, customer service history, and their approach to handling claims.

4

Make Your Purchase

After going through all the offers and deciding on the bundle that meets your needs, make the purchase. Ensure you read the policy documents carefully before signing. Once you’ve bought the insurance, keep all related documents in a safe place and review your policies annually to ensure they still meet your requirements.

5

Our Methodology

We are dedicated to delivering precise and reliable insurance company ratings using a comprehensive methodology. This involves evaluating numerous insurers, gathering insights from reputable review sites, and considering 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 trustworthy guides for your insurance decision-making process.

89

Quotes Analyzed

27

Brands Reviewed

30+

Research Hours

15+

Years Of Experience

FAQs

How much can I save with bundled insurance?

Bundling multiple insurance policies can lead to notable savings, generally ranging from 10% to 25% off each policy. The actual savings can vary based on your insurance provider, location, and the specific terms of your policies.

Which insurance policies can I bundle together?

Typically, the home and auto insurance bundle is the most common, covering your home and cars. But some insurance providers also offer bundles that include other policies, such as renters, condo, boat, motorcycle, and even life insurance.

Who offers the best insurance bundle policies?

State Farm excels in offering insurance bundles, earning top ratings from customers and several accolades within the industry.

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