(800) 253-1482Bundle Home, Auto, and Renters Insurance in Missouri
Summary: Bundling insurance is a smart way to save money and simplify coverage. Homeowners in Missouri can enjoy significant savings with home and auto insurance bundles, while renters can benefit from affordable premiums and additional protection through renters and auto insurance bundles. There are also options to bundle policies, such as boat, motorcycle, or umbrella coverage for extra savings. Freedom Insurance Group helps Missouri residents save an average of 40% by comparing insurance bundles from top-rated carriers. With various bundle options available, it’s essential to find the right balance of coverage and cost. Estimated Read Time: 8 mins
You can bundle home and auto insurance together with the same carrier to save money and simplify your coverage.
Furthermore, an auto and renters insurance bundle provides the same benefits for non-homeowners—many providers even offer expanded bundles, including options for motorcycle, life, or umbrella insurance, providing you with additional discounts for your coverage.
For Missouri homeowners, home and auto insurance bundles offer significant savings, while renters can also benefit from lower premiums and added protection.
While insurers promote bundling for cost savings, it’s crucial to choose policies that fit your needs, and not just chase discounts because of the initial savings they can bring.
In Missouri, many carriers offer home and auto insurance bundles, but Freedom Insurance Group stands out by saving clients an average of 40%.
With access to many top-rated carriers, comparing options ensures the best balance of coverage and savings, helping you protect your assets while staying on budget.
Protect your assets and save by using our tool below to get home, auto, and renters insurance bundle quotes in just a few clicks, or ask an agent to see how much you can save.
Types of Home, Renters, and Auto Insurance Bundles in Missouri
The best insurance bundles combine protection for your home and auto, or renters and auto insurance needs while offering discounts that help you save.
There are plenty of options in Missouri, with multiple carriers providing bundling opportunities to meet different needs.
Carriers often reward customers for combining policies, which is why bundling home and auto insurance—or auto and renters insurance—frequently results in lower premiums.
While the savings vary based on personal factors, bundles remain a smart way to cut costs while ensuring broad coverage against risks.
Here are the different types of insurance bundles available and how they protect you:
Home and Auto Insurance Bundles
When you bundle auto and home insurance, you’ll protect your vehicle, home, and personal property for less.
Best of all, not only do you save on premiums and make your coverage simpler, but you can also customize your protection to better meet your needs.
Auto and Renters Insurance Bundles
Many carriers provide their own auto and renters insurance bundle, and while your bundling options typically depend on the coverage options offered by your provider, renters with vehicles often have several choices.
While renters don’t need to insure the physical property they live in, protecting personal belongings and vehicles is essential.
Combining auto and renters insurance offers a convenient and cost-effective way to safeguard both.
Auto and Condo Insurance Bundles
Condos and townhomes have slightly different coverage than home insurance, but you can still bundle your protection with your automobile.
Because condos typically cost less to insure than traditional homes, you can expect to enjoy even more savings by bundling.
Just like a traditional home bundle, your condo, personal property, and vehicle all receive protection when you bundle coverages.
How to Shop for Bundled Insurance in Missouri
When shopping for insurance bundles, there are a few things you can do to maximize your savings and protection.
Homeowners and renters alike will find plenty of insurance bundles with auto coverage but not all of them are the same.
Here’s how you can protect yourself with a home and auto or auto and renters insurance bundle that keeps you covered at the lowest price possible:
Enroll at the Same Time
When shopping for a bundle, be sure to ask about enrolling in multiple coverages at once.
For example, if you are getting a home and auto bundle or a renters and auto insurance bundle, try to enroll at the same time.
By doing so, you can unlock even more savings, especially when switching carriers.
While this might not be ideal for everyone, asking your agent about signing up for multiple coverages at once is a great way to save.
Ask About Auto Insurance Discounts
When shopping for insurance bundles, always ask about discounts, as many insurance companies offer big savings for bundling.
However, there could be additional discounts you might miss if you don't ask. Be sure to compare all your options and discounts to get the best deal.
Get Multiple Quotes
Finding the best insurance bundle starts with comparing your options. How much you pay can vary widely between carriers and your specific needs, making it important to compare a wide variety of quotes.
Always take the time to explore your choices before making a decision to maximize your protection and savings.
Should Drivers in Missouri Bundle Home and Auto Insurance?
Bundling your coverage can save you money, but it’s important to ensure the coverage meets your needs. The main goal should be to find the right protection and save in the process.
Factors like where you live and the type of vehicle you drive influence both premium costs and the coverage you require. Everyone’s insurance needs are unique, so choosing the right bundle is key.
Bundles not only reduce premiums but also shield you from significant financial risks.
For homeowners, bundling home and auto insurance offers similar benefits, combining affordability with peace of mind.
Similarly, an auto and renters insurance bundle is typically going to provide many benefits but everyone’s needs are different.
One important factor to consider is that personal factors are just that—they’re going to vary from person to person.
So, if you are looking to enjoy a multi-policy discount by bundling, but you’re on a policy with a bad driving record or a bad claims history as a homeowner, it may be better to have individual policies or bundles.
The point is, your best bet is to bundle in most cases but you should always compare your options and pick the right coverages for your protection and budget.
Pros of Bundling Home, Renters, and Auto Insurance
There are many different bundles available but how do they benefit homeowners, renters, and drivers in Missouri?
Again, while not universally great for everyone, insurance bundles often bring many great benefits. Here are some of the core benefits of bundling you’ll likely find when you shop for coverage:
Save Money
Whether it's a home and auto insurance bundle or an auto and renters insurance bundle, typically you're going to save money and be better protected in the process. This is why people love bundling insurance—savings and coverage!
Simplify Your Coverage
Managing several insurance policies can be a hassle. Bundling your coverages makes things easier and saves you time. With everything in one place, it’s simpler to contact your insurer if you need to file a claim.
Unlock Additional Discounts
Bundles offer discounts, but you may also qualify for other savings like safe driver or multi-policy discounts.
Comparing all available discounts can help you maximize your savings. It's important to compare multiple discounts when shopping for coverage—even when bundling.
Cons of Bundling Home, Renters, and Auto Insurance
Insurance bundles help most people save but they aren’t right for everyone. Here are a few scenarios in which you may want to opt for an alternative when protecting your home, auto, and personal belongings:
Renters May Have Better Options
With a particular focus on auto and renters insurance bundles, there may be better options available.
While this also applies to home and auto bundles, renters coverage is typically much more affordable and because it’s already inexpensive, bundling may not provide significant savings compared to higher-priced policies.
Switching insurers may still be worth it to save or receive better protection but that doesn’t mean bundling is your best option.
Complicates Canceling Your Coverage
Bundling your insurance with the same company offers convenience but may prevent you from shopping around for better rates.
Since bundling discounts depend on various personal factors, you might not receive an instant quote reflecting these savings when you shop around.
You’ll need to speak to an agent and provide additional information, and even then, it’s going to take some time to get an accurate bundled quote.
With that being said, if you’re looking to save, the time can be worth it, you just need to be aware of the process.
Sometimes, Separate Policies Mean More Savings
Bundling insurance doesn't always lead to savings, which is why separate policies may be cheaper.
Your discounts can be smaller than individual policy discounts, so it's important to research and compare prices.
Not all insurers specialize in every coverage type, so shopping around helps you find the best fit for your needs. Optimizing each policy individually can offer better protection and value.
Bundle Home and Auto Insurance But Don’t Live in Missouri
If you have multiple homes, you can bundle your home and auto insurance policies together. However, it’s going to depend on a few key factors:
- Homeowners with a lake house or a vacation home can bundle both homes and their auto insurance policies together. You may even find bundles for your boat policy as well.
- For example, if you live in Kansas City but have a lake home in Branson, you can bundle and save by shopping around.
- Still, you’ll need to find a carrier that provides these savings and shop around for the best price.
- Furthermore, if you have a home across state lines, you can find bundles so long as your carrier can write policies in both states.
With that being said, if you own a second home, it’s not a given that you’ll find bundles to include your primary residence, vacation home, auto, etc.
This is why it’s important to work with an insurance broker so that you have more options to save and find the personalized protection you deserve.
If you’re looking for home or renters and auto insurance bundles, Freedom Insurance Group is here to help. Give us a call today and compare top-rated trusted carriers to save.
