Homeowners can expect to save an average of around10% when they bundle their dwelling and auto policies with an insurer. These savings, along with the convenience of only managing payments to one insurer, make bundling an attractive option, but there are factors to consider when deciding if it's best to keep your policies together or split them. The Zebra recommends customers in the market for home and auto coverage consider the following when deciding whether to bundle.

Check the reviews

Before committing to a company, read customer reviews for both their claims management and customer service. Choosing a company with a poor reputation in order to save money may backfire when it's time for you to actually file a claim.

Double-check your coverage

Risk is analyzed differently for auto and homeowners policies, and can also vary from carrier-to-carrier. Check with your new potential insurer to ensure their policies don't carry any exclusions that would affect you – especially when it comes to your homeowners policy. This could include exclusions for certain pets, pools or trampolines.

Do the math

Don't blindly choose the company that gives you the biggest discount on your auto and home bundle. If cost is a deciding factor for you, weigh out whether that bundle is actually cheaper overall than separating your policies between companies. The 2022 U.S. Home Insurance Study from J.D. Power showed that rising auto premiums – driven higher by increased vehicle and repair costs – have led many former bundlers to split their policies in order to save money. This is an issue for insurers, as customer retention rates are notably higher among those who bundle their home and auto policies with a single carrier. In the slideshow above, we'll look at the best homeowners and auto insurance bundles for 2022, according to the Zebra.

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