Winter is officially upon us, and now is the perfect time to review your current insurance policies. If you are looking to save money and enhance your coverage, combining your home and auto policies is your best option.

You could save up to 20% off your combined premiums.
Many companies we represent will provide a discount on each policy for bundling them together. Depending on your unique needs, we may recommend two different insurance carriers if the coverage, discounts and credits are a better fit for you. Besides the discount on premiums, there are some additional benefits of having your home and auto policies together.

You will save time.
Having multiple policies in one place can cut down on the time spent if you ever have to file a claim. For example, a typical break-in and theft from a car would involve both your auto insurance and your homeowners insurance. Any items you bring into the car would be covered by the home insurance. If the built-in stereo is stolen, it’s covered under the auto insurance. If both your policies are in the same place, one explanation to one claims person would take care of everything. You would not need to find the contact information, wait for returned calls, recount the story multiple times, and remember different file numbers for one incident.

You can cut down on paperwork.
Having only one bill may also help diminish bank charges or the cost of mailing payments, and makes it easier when the time comes to budget. It is also just easier to deal with, knowing things are simplified and all together.

It’s better to have only one renewal schedule.
To save time and possibly money, you should consider having your home and car insurance on the same renewal schedule. It is much more efficient to have both quoted at the same time than doing each separately at different times in the same year.