If you want to save money on your home insurance, one of the most common and easiest ways to do so is to bundle it with other policies. This common practice can result in considerable savings on your premiums, yet you can’t bundle your homeowner’s policy with all the policies offered by a carrier. The professionals at Amerisent Insurance, serving Las Vegas, NV, can advise you on how to achieve this discount.
Most Common Ways to Bundle Home Insurance
The most common insurance bundle involves buying your auto insurance policy from the same company as your home insurance. Many carriers also offer significant discounts on a triple bundle when life insurance is added. Other possible policies you can bundle with a homeowner’s policy include:
- Renter’s
- Condo
- Umbrella
- Home business
- Recreational vehicles
Why Bundling Policies Saves You Money
When you bundle, you’ll receive a discount on every included policy, as insurers consider this practice a loyalty discount. You’ll only have to manage one bill and billing date, which reduces the chances of missing a payment. The carrier also saves on administrative costs when you bundle, passing those savings on to you. It’s also easier to manage claims when you bundle, especially when a claim applies to multiple policies. In such cases, you may only have to pay a single deductible.
Bundling Isn’t Always Less Expensive
Although bundling makes sense for most consumers, it isn’t always cost-effective. If you need a specialized policy to cover a luxury car or need special endorsements for your home, you may do better with separate policies from different insurers. Shop around to compare rates among carriers.
The professionals at Amerisent Insurance, serving Las Vegas, NV and surrounding areas, can help you compare policies so you’ll get the best rates for your bundled home insurance. Contact us today.
