Understanding The Value Of Combined Home And Auto Insurance Policies
House insurance is essential for protecting your home and belongings from unforeseen events like fire, theft, or natural disasters. However, a great way to maximize savings and add value to your policy is by combining home and auto insurance through the same provider. Campbell Insurance Agency provides house insurance in Omaha, NE, Papillion, NE, Council Bluffs, IA, Bellevue, NE, Treynor, IA and surrounding areas.
Known as “bundling,” this approach offers several benefits beyond cost savings.
Savings on Premiums
Insurance companies reward customers who bundle their home and auto policies with discounts that can range from 10% to 25% or more. These savings vary by insurer and location, but bundling often results in lower premiums for both types of coverage.
Convenience
Bundling simplifies policy management. Instead of dealing with multiple insurers, you have a single point of contact for both home and auto insurance. This often leads to streamlined billing and better coordination when filing claims that involve both policies, such as a car accident that damages your garage.
Enhanced Value with Add-Ons
Many insurers offer value-added benefits to bundled policies, such as:
Single Deductible Per Event: If an event affects both your car and home (e.g., a storm), you may only pay one deductible.
Loyalty Perks: Long-term bundled customers often receive additional benefits like accident forgiveness for autos or free home inspections.
Customizable Coverage: Some insurers provide flexibility in tailoring policies, ensuring you get exactly what you need.
Factors to Consider
While bundling offers advantages, compare quotes and coverage details carefully. Not all insurers offer equal savings or the same level of customer service. Ensure the combined coverage meets your needs without cutting corners on essential protections.
In summary, combining home and auto insurance is a smart strategy to save money while adding value. It simplifies your insurance needs and provides additional perks that standalone policies often lack. Should you have any questions, feel free to give us a call.