Best Home And Car Insurance Bundles In Pennsylvania 2024

Having bundled home and auto insurance with several companies as a Pennsylvania resident, I’ve found State Farm to be the most comprehensive choice.

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Written by Bob Phillips
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If you’re exploring home and auto insurance bundles in Pennsylvania and want the best value, you’ve found your solution. With my extensive tenure as an insurance agent—over 15 years—I’ve successfully matched many clients with cost-effective coverage.

This guide will delve into comparison charts, customer ratings, and my own experiences to offer a thorough examination of the most affordable and highly-rated home and auto bundle companies in Pennsylvania. By the conclusion of this guide, you’ll be well-prepared to make a thoughtful decision that secures both your home and vehicle without unnecessary expense.

Best Home And Auto Insurance Bundle In Pennsylvania, 2024

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

Compare The Best Home And Auto Bundles In Pennsylvania

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

$2,399

Instant Quote
Allstate
4.8

Runner-Up

A+

809

$2,416

Instant Quote
Farmers
4.5

Cheapest

A

813

$2,862

Instant Quote
Nationwide
4.7

Add-On Captions

A+

797

$3,149

Instant Quote
GEICO
4.6

Discounts

A++

801

$3,775

Instant Quote
Scroll to see comparisons

Our Methodology

Our aim is to deliver accurate and reliable insurance company ratings through a comprehensive methodology. We evaluate multiple insurers, gather insights from reputable review sites, and consider essential metrics from industry authorities like A.M. Best and J.D. Power. With my 15 years of experience as an insurance agent, we enrich our analysis with firsthand expertise, ensuring our ratings are credible guides for your insurance choices.

79

Quotes Analyzed

36

Brands Reviewed

30+

Research Hours

15+

Years Of Experience

Best Home And Auto Insurance Bundles in Pennsylvania


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 widely regarded as the best choice for home and auto insurance in Pennsylvania, attributed to its exceptional financial strength and competitive premiums. A.M. Best and S&P Global Ratings have awarded State Farm high ratings, affirming its robust financial health. This reliability assures policyholders that State Farm will fulfill its commitments promptly. Moreover, State Farm offers annual rates that are lower than average for numerous drivers, making it a cost-effective selection for Pennsylvania residents and drivers.

Besides financial stability and affordability, State Farm’s comprehensive coverage options and personalized service reinforce its leading role. Whether you need car, homeowners, or life insurance, or coverage for vehicles like ATVs or RVs, State Farm offers solutions that cater to diverse needs. Furthermore, their local approach ensures nearby assistance, allowing you to tailor your insurance quote online or contact a local agent directly.

State Farm’s recognition as the best in Pennsylvania is bolstered by its strong commitment to providing exceptional customer experiences. Achieving an impressive rating of 838 from J.D. Power underscores State Farm’s consistent efforts to exceed policyholder expectations and ensure superior customer satisfaction.

To ensure your financial security, finding the best home and auto bundle insurance company in Pennsylvania is crucial. The right provider offers comprehensive coverage to protect your most valuable assets – your home and vehicle. Bundling these policies can result in significant savings, easier insurance management, and the convenience of dealing with one insurer.

Benefits & Drawbacks

Benefits
  • Great prices when bundled
  • Superb customer service
  • Financially strong
Drawbacks
  • Gap insurance is missing
  • Long claims processing times
  • Limited 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

Allstate is a great option for bundling home and auto insurance in Pennsylvania, primarily because of its competitive pricing. The company offers significant savings through its bundle discounts, with Pennsylvania residents and drivers able to save up to 25% by combining their home and auto policies.

One unique feature of Allstate is its HostAdvantage home-sharing insurance, which provides extra coverage for homeowners renting out their homes. The company also rewards responsible payment history with a Responsible Payment Discount. Although customer satisfaction ratings vary, Allstate’s competitive prices and great coverage make it a good choice for bundling home and auto insurance in Pennsylvania.

Choosing a reputable insurance company to bundle your home and auto insurance in Pennsylvania is a strategic move to secure your assets. This decision consolidates your protection under one trusted provider, leading to significant savings, simpler policy management, and efficient claims processing. A highly rated insurer ensures prompt and fair claim settlements and excellent customer support, providing peace of mind.

Benefits & Drawbacks

Benefits
  • Reasonable pricing
  • Extensive coverage options
  • Energy-efficient replacement coverage
Drawbacks
  • Mixed customer opinions
  • Claims can be slow to process
  • Dependence 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

Farmers stands out as the most economical choice for bundling home and auto insurance in Pennsylvania. With significantly lower premiums than many other insurers, it provides comprehensive coverage at a great price. Plus, bundling with Farmers can save customers an average of 20% on their policies, enhancing its cost-effectiveness.

In addition to its competitive prices, Farmers Insurance provides exceptional coverage and significant savings. Pennsylvania residents and drivers can personalize their policies with comprehensive options such as dwelling, personal property, liability, and additional living expenses coverage for homeowners, and comprehensive, collision, and liability coverage for auto insurance. Farmers also offers various discounts based on policy details and location, enabling customers to unlock multiple savings opportunities.

Choosing a trusted insurance company with low rates for bundling home and auto insurance in Pennsylvania is a strategic decision. This move consolidates your coverage under one provider, provides substantial savings, and makes policy management easier.

Benefits & Drawbacks

Benefits
  • Various discount options
  • Broad coverage choices for home and auto
  • Most affordable bundle premiums
Drawbacks
  • Customer service can be inconsistent
  • Limited online resources
  • 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

Nationwide is a standout choice for bundled insurance in Pennsylvania, largely due to its extensive add-on options. These include smart home discounts, which can lead to significant savings for homeowners with smart home systems. Additionally, Nationwide offers term life and pet insurance as part of its bundles, providing more comprehensive coverage.

Nationwide’s add-ons are designed for additional protection and convenience, like home rental coverage for temporary relocations due to covered losses. Furthermore, customers can save up to 20% by bundling home and car insurance, making Nationwide a comprehensive and cost-effective option.

Basic home and auto insurance coverage may not meet all your needs. Choose a bundle with a range of add-ons to get more comprehensive protection. These additional features let you customize your policy to suit your unique requirements, offering coverage beyond the standard. Roadside assistance and flood coverage are examples of important add-ons for unexpected situations.

Benefits & Drawbacks

Benefits
  • Recognized for excellent customer support
  • Includes over 10 coverage add-ons
  • Bundle up and save 20%
Drawbacks
  • Limited online service options
  • Pricing may not be the most competitive
  • Relies on local agents for service

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

Bundling your home and auto insurance with GEICO in Pennsylvania is a smart choice for saving money. GEICO’s multi-policy discount applies automatically when you combine auto coverage with homeowners, renters, condo, or mobile home insurance. Additionally, GEICO provides discounts for students, military personnel, and federal workers, offering a flexible option for many different types of customers.

Not only does GEICO provide significant discounts on bundled insurance, but it also presents additional savings opportunities. For example, you could get up to 25% off your car insurance coverages by insuring multiple vehicles with GEICO. Moreover, discounts are available through memberships, organizations, or employment, adding to your savings potential.

The financial perks of bundling home and auto insurance in Pennsylvania are undeniable. When a company offers a range of discounts, it reduces your financial pressure and highlights its focus on customer satisfaction. Discounts for multi-policy, claims-free, and loyalty can lead to significant savings on your annual premium.

Benefits & Drawbacks

Benefits
  • Excellent online functionality
  • Competitive rates offered
  • Various discounts on policies
Drawbacks
  • Customer service may receive mixed reviews
  • Potential for unanticipated rate hikes
  • Few local offices available

The Cheapest Non-Bundle Combinations In Pennsylvania

Auto Insurance Company Home Insurance Provider Annual Premium
Allstate Travelers $3,392
Nationwide Allstate $2,426
State Farm Nationwide $2,864
Travelers State Farm $2,867
State Farm Travelers $2,888
Travelers Nationwide $2,756
Nationwide State Farm $3,251
Allstate Nationwide $3,359
Nationwide Travelers $3,160
Allstate State Farm $3,469
Travelers Allstate $2,038
State Farm Allstate $2,149

Average Home And Auto Insurance Rates In Pennsylvania – By City

City Avg. Monthly Home Insurance Rate Avg. Monthly Auto Insurance Rate Avg. Monthly Rate Of Bundled Policies
Philadelphia $148 $280 $299
Pittsburgh $98 $160 $217
Allentown $96 $167 $208
Erie $98 $157 $196
Reading $92 $161 $208
Scranton $102 $157 $192
Bethlehem $89 $153 $217
Lancaster $88 $145 $208
Harrisburg $93 $139 $217
York $87 $136 $208

Reasons You Should Bundle

Significant Savings On Premiums

Combining your home and car insurance policies can significantly reduce your premiums. Experian states that bundling could result in savings of up to 25%. This is because insurers often give discounts to customers who purchase multiple forms of insurance from them.

Simplified Insurance Management

Convenience is another key advantage of bundling insurance. Handling multiple policies from various insurers involves separate bills, renewal dates, and contacts, which can be a hassle. Bundling your home and auto policies streamlines management, reduces paperwork, and eliminates the inconvenience of dealing with multiple insurers.

Enhanced Customer Service Experience

An often overlooked but significant benefit of bundling your home and auto insurance is the improved customer service experience. By bundling your policies, you become more valuable to the insurer, leading to faster responses, better service, and more personalized care.

Reasons You Should Not Bundle

Potential For Higher Rates

Even though combining home and auto insurance usually results in savings, it can sometimes result in higher premiums. This is due to some insurers offering better rates for auto insurance than for home insurance. Thus, purchasing both policies from the same provider could lead to overpaying for one.

Limited Flexibility

Bundling insurance policies may restrict your coverage options and flexibility. Each insurance company has different strengths and weaknesses; one that excels in auto insurance might not offer the best home insurance. By bundling, you might be missing out on the best possible coverage for each policy from separate insurers.

Risk Of Overlooking Better Deals

Combining your insurance policies can lead to complacency, making you overlook better deals from other insurers. If a bundle saves you money, you might not shop around during renewal time, potentially missing out on significant savings or better 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 first step in bundling home and auto insurance is to grasp your coverage needs. Evaluate the value of your home and car, decide on the protection level you require, and consider any specific coverage based on your location or personal circumstances. This assessment ensures adequate protection.

1

Gather Information About Your Home And Vehicle

Once you’ve identified your coverage requirements, collect all the necessary information about your home and vehicle. This should include the age and condition of your home, its security features, your car’s make and model, your driving history, and other relevant details. Insurance companies will use this to provide precise quotes.

2

Compare Quotes From Different Insurers

Once you’ve gathered all the necessary details, start obtaining quotes from various insurance companies. This can be done either online or by speaking with an insurance agent. It’s important to get quotes from multiple insurers to ensure the best possible deal. When you compare quotes, be sure to consider not just the price but also the coverage specifics and any exclusions.

3

Review Each Offer Thoroughly

After collecting several quotes, take the time to analyze each one. Review the coverage details, deductibles, policy limits, and any additional perks included. Also, evaluate the insurer’s reputation, their customer service performance, and their claims management.

4

Make Your Purchase

Once you’ve analyzed all the offers and picked the bundle that fits your needs, finalize the purchase. Be sure to read the policy documents in detail before signing. After purchasing, store your insurance documents securely and review your policies once a year to ensure they still align with your needs.

5

FAQs

How much can I save with bundled insurance?

Bundling your insurance can lead to considerable discounts, often between 10% and 25% per policy. However, the exact amount you save will depend on factors such as the insurance company, your location, and your individual policy terms.

Which insurance policies can I bundle together?

A typical bundle includes home and auto insurance, covering both your dwelling and vehicles. Some insurers extend their bundles to include other types of coverage, such as renters, condo, boat, motorcycle, and even life insurance.

Who offers the best insurance bundle policies?

With a reputation for top-tier policy bundles, State Farm consistently earns high marks from customers and is widely acclaimed in the industry.

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