At Policygenius, our educational guides are written and fact-checked by licensed home insurance experts and reviewed by our Financial Review Council to ensure autonomy, expertise, and accuracy.
To find the best insurance companies for bundling home and auto insurance, we researched, analyzed, and rated companies across different ratings and metrics, including average annual bundling premiums, AM Best ratings, J.D. Power customer satisfaction and claims ratings, NAIC customer complaint numbers, and more.
We rated 10 companies in the following areas, weighted differently based on order of importance to customers in 2022.
Cost (35%)
We calculated each company’s average annual rate when you bundle your home and auto insurance policies, and also factored in the number of home and auto insurance discounts offered by each company.
Rates are based on the following coverage limits:
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Auto bundling rate: Based on a 30-year-old male driver with a 2017 Toyota Camry and the following limits on a full-coverage policy: bodily injury liability ($50,000 per person, $100,000 per accident), property damage liability ($50,000 per accident), uninsured/underinsured motorist($50,000 per person, $100,000 per accident), comprehensive ($500 deductible), and collision ($500 deductible)
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Home bundling rate: Based on a 40-year-old female homeowner with no claim history, good credit, a $1,000 deductible, and the following coverage limits: dwelling ($300,000), other structures ($30,000), personal property ($150,000), loss of use ($60,000), liability ($300,000), and medical ($1,000)
Financial confidence (25%)
Our financial confidence score is based on each company’s rating with AM Best, Standard & Poor’s, and Moody’s — three of the insurance industry’s leading credit rating agencies that measure a company’s financial strength and stability.
Customer experience (20%)
Our customer experience rating is based on each company’s score on J.D. Power’s customer satisfaction, claims satisfaction, and digital experience surveys. These surveys rate companies based on policy offerings and billing processes, customer service around claims, and their desktop and mobile web experience.
We also factored in each company’s score on the National Association of Insurance Commissioner Customer Complaint Index, which measures whether the company receives more or less complaints than the average insurance company of its size.
Coverage (20%)
Our coverage rating is based on the number and quality of coverage add-ons, tiers of coverage, and policy perks offered by each company for both home and auto insurance.
Once we determined each company’s Policygenius bundling score, our team of insurance experts analyzed the list to choose the best options overall.
