Think saving on insurance has to be complicated? Bundling your home and auto insurance can simplify your coverage—and often save you money. Here’s a closer look at what those savings look like for Colorado residents.
Want to talk specifics and find the best, most cost-effective coverage? Contact us today or give us a call at (303) 420-6000 for a free quote.
What Is Bundling and Why It Matters
Bundling means purchasing both your home (or condo/renters) and auto insurance through the same insurance company. The National Association of Insurance Commissioners (NAIC) explains that insurers offer multi-policy discounts and make billing and claims easier when you bundle. However, they also caution that it’s worth shopping separately as bundling can sometimes be more expensive (content.naic.org).
Colorado Savings at a Glance
Many Colorado families do save real dollars when bundling their home and auto insurance, although results vary depending on the carrier and ZIP code. A local agency like Agency of the Rockies can help you navigate options to find what saves you the most money and time.
Average Savings
- MoneyGeek reports that Coloradans save an average of 12.7%, or up to $1,255 by bundling home and auto policies.
- Some insurers in Colorado offer 5–9% savings per line when bundled.
Bonus Perks Beyond the Price Tag
Bundling often delivers:
- Easier management: One bill, one renewal date, one point of contact.
- Simplified claims: If both your home and car are damaged in the same incident (like a severe hailstorm), dealing with one insurer reduces stress and speeds resolution.
Perks like these make day-to-day life smoother. Even if the financial savings are modest, bundling saves both time and energy.
Tips for Managing Your Bundle Smartly
- Request quotes bundled vs. separate: Compare to see if bundling truly saves.
- Customize your coverage: Discounts aside, make sure deductibles, limits, and endorsements match your needs.
- Review annually: Rates fluctuate—frequent comparison helps you avoid hidden hikes.
- Ask about tech discounts: Some insurers offer savings for home safety devices or telematics.
- Work with a trusted local agent: Agencies like Agency of the Rockies don’t just quote numbers—they help families navigate complex Colorado risks like hailstorms, wildfires, and rising auto claims.
Is Bundling Right for You?
For many Colorado families, bundling home and auto insurance delivers average savings of 10–15%, along with administrative convenience and smoother claims handling. But it’s not a guaranteed win—some residents find cheaper options with separate policies.
Thinking about moving both policies at once? Here’s how to switch home and auto insurance in Colorado without a coverage gap. For the full picture, see our complete guide to home and auto insurance in Colorado.
Bundling savings depend a lot on where you live. See our local guides for Denver, Aurora, Englewood, Littleton, Centennial, Lakewood, Boulder, Colorado Springs, and Fort Collins, or browse all the Colorado areas we serve.
If you’re ever unsure, Agency of the Rockies can give you personal, responsive service from real local agents who understand Colorado’s unique challenges. Reach out when you’re ready for a clear, simple insurance conversation that can save you both time and money.
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