How do I lower it, and what does bundling do?

The short answer

Bundling home and auto commonly brings a discount, but two separate policies can cost less, so price it both ways. Comparing the same coverage, wind-damage features and your claim history matter more.

Putting home and auto together commonly brings a discount on one or both policies. There is no official figure for its size, and two separate policies can cost less, so price it both ways. The bigger levers are comparing the same coverage, wind-damage features and your claim history.

Don't know a word? Press any purple word to see what it means. They're all listed at the bottom of the page.

What bundling does

A discount is common. A lower total is not guaranteed.

OftenPutting home and auto with one insurer commonly brings a discount on one or both. Each insurer sets it; there is no official figure for its size.

Not alwaysTwo separate policies can still cost less.

Do this

Ask for the bundled price and the two separate prices, for the same coverage, and compare the totals.

The checks that matter more

These move a home price more than a bundle.

Compare the same coverageThe NAIC: “When you get quotes, it’s crucial that you ask for the same coverages and limits,” including the hurricane deductible and replacement cost. Get them in writing.
Wind mitigationIn Florida, insurers must offer credits for features that reduce wind damage, like roof straps, shutters and impact windows, documented with the state’s inspection form. The notice of those discounts comes with every policy.
The roofIn Florida, an insurer cannot refuse or non-renew a home only because of roof age if an inspection shows at least five years of life left, and roofs under 15 years cannot be refused on age alone.
The deductibleWisconsin’s insurance regulator estimates a higher ordinary deductible lowers the premium by about 5% to 10% (2026); yours will differ. Choose one you could pay.

Florida roof and wind rules as of October 2026. Statutes change; check your own policy.

Your claim history follows the house

Check it before you shop, or before you buy a home.

7 yearsof claims on the property, in the CLUE report insurers see

1 free copya year, from LexisNexis

Texas Department of Insurance.

lists claims on your home or vehicle, even if you weren’t the owner at the time.Texas Department of Insurance, on CLUE reports

Questions you ask your insurer should not appear on it, only claims filed (Texas Department of Insurance).

Claims

When you do claim, in Florida

Report it within one year18 months for a supplemental claim (Fla. Stat. 627.70132, as of October 2026; check your policy).
Photograph or film itBefore and after any repairs, and keep all receipts.
Free mediationThe state offers it if you disagree with the result.

Remember this

Price it bundled and separate, for the same coverage, and compare the totals.

Words on this page

Deductible: What you pay yourself on a claim before the insurer pays the rest. With a $500 deductible, the first $500 is yours.
Premium: What you pay for the policy, whether you make a claim or not. It can be paid monthly, every six months or once a year.
Replacement cost: Enough to replace the thing, not what it was worth secondhand.

Last — What it costs: What does home insurance actually cost? →