All of your insurance policies are designed to protect your finances, but often the most cost effective way to protect everything you care about is to bundle all the coverages your unique situation needs!

Benefits of Bundling Insurance

When it comes to insurance policies most adults have home or renters, auto and life insurance. Combining these policies together can give you a substantial discount. In fact, almost any type of personal insurance policy can be bundled in order to save on premiums and streamline the claims process.

Here are some of the benefits of bundling your insurance policies:

  • Icon Home with car - Foundation Insurance GroupDiscounts—Many insurance carriers offer discounts for bundled policies and working with an independent agents means with can coordinate bundling opportunities with the many carriers we work with. The exact discount will vary between different insurers, but generally range between 5% and 25%.
  • Convenience—Bundling policies together cuts down on paperwork and makes your coverage easier to manage. And because you have an independent agent in you corner to advocate for you with the insurance carrier, you can save time and energy when making policy changes or handling a claim.
  • Single deductibles—If a loss applies to more than a single policy, the deductible you pay may apply to all of your coverage. For example, if a severe storm damages your vehicle and your home and you carry both policies with the same provider, you may only have to pay a single deductible.
  • Less chance of dropped coverage—Insurers regularly drop coverage if a policyholder makes a large amount of claims. But, if your policies are bundled together, providers will be less likely to drop you.

When to Avoid Bundling Coverage

Bundling Your Insurance Policies? - C.T. Lowndes & Company

Bundling does have a number of benefits, but in some cases, it’s best to keep your policies separate. Here are some situations where it may be better to avoid bundling:

  • Expensive auto insurance—Auto insurance rates can vary based on a number of factors. If your rates are higher because of local risk factors, you may want to separate your other insurance policies from your auto insurance.
  • When premiums increase—Having your policies bundled together can make it difficult to shop for new policies, but you may be able to find better rates by comparing different insurers every so often.

Contact FBinsure before your renewal date to make sure you’re getting the best balance between your insurance rate and the coverage you need.

Our agents would love to help you compare multiple providers and other coverage options. Start here!


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