Missouri · Home and auto together
What a home and auto bundle actually changes
A bundle is two policies at one company, plus a multi-policy credit if that company offers one. It is not one policy, and it is not a fixed percent off. The credit is real only when the quote shows it, on the same liability limits and the same deductibles you would have bought separately.
Start from Missouri homeowners and Missouri auto. Other credits, separate from the bundle: Missouri auto discounts.
The discount is a credit. The coverages stay separate.
Home still pays for the house. Auto still pays for the cars and for people you hurt on the road. A kitchen fire does not touch the auto policy. Hail on the car is comprehensive. Hail on the roof is the homeowners wind and hail deductible, often a percent of the dwelling limit. Putting both policies at one company does not merge those deductibles.
The carrier applies the multi-policy credit when you meet its rule, usually both policies in force, sometimes both on autopay. The credit can sit on the auto, the home, or both. It can also disappear at renewal if one policy is cancelled. Read the renewal, not last year’s binder.
When splitting carriers is the better price
The company that wants your cars may not want your roof, or the reverse. An independent agency can price the pair together and each policy alone. Keep Coverage A at rebuild cost, not the county tax value. Keep auto liability at least at Missouri’s floor, long described as 25/50/25 plus uninsured-motorist bodily injury at 25/50. Confirm the current minimum. If you add an umbrella, it pays only after the auto and home liability limits are used up, and many carriers want roughly 250/500 on the cars and $300,000 of home liability underneath. That is an underwriting rule, not a statute.
Local starting points: Missouri home insurance by city.
