Hi there—glad you stopped by. If you’re like most people I talk to, you might have your car insurance with one company and your homeowners insurance with another. It might’ve just worked out that way over time, or maybe you were trying to get the best deal at the moment. But let’s take a minute and talk about how combining those two policies can make life a lot easier—and cheaper too.
At Illinois Insurance Center, we help people bundle their auto and homeowners insurance every day. And when I say “bundle,” I simply mean putting both your home and auto coverage with the same company. Sounds simple, right? It is—but the benefits go a long way.
Why Bundle Auto and Homeowners Insurance?
Before we get into the benefits, let me explain what bundling really means. When you bundle your auto and homeowners insurance with one provider—like Illinois Insurance Center—you deal with just one company, one agent, and often only one deductible when the unexpected happens.
That alone is a relief. But there’s more to it than that.
1. One Agent, One Company—Less Confusion
Let’s say your car gets damaged during a storm, and your garage takes a hit too. If your car and home are covered by two separate insurance companies, you’re going to have to open two claims and deal with two adjusters. That’s twice the phone calls, emails, and time.
✅ When your policies are bundled, you deal with one agent—like me—and one company. If the same storm damages both your car and your home, we sort everything out in one place. That means fewer headaches, less paperwork, and faster claims processing.
✅ We get the full picture. When you bundle, we can see your full coverage and make sure you’re not overpaying for protection you don’t need—or worse, missing something important.
Need to manage your policy or get a quote on new coverage? It’s much easier when everything is in one place. We serve customers all over Illinois, including those looking for insurance in Aurora, IL—click here if you’re in the area.
2. Insurance Companies May See You as Less Risky
When you only carry auto insurance with a company, you’re just one part of the picture. If you’ve had a few tickets or an accident recently, the company might decide you’re a risk and raise your rates—or worse, drop your policy.
✅ Bundling shows loyalty and brings balance. If you haven’t had any claims on your homeowners policy, that can actually work in your favor. Insurance companies are more likely to see you as a reliable customer when you carry more than one type of coverage with them.
✅ More business with one company often means better treatment. When you bundle with Illinois Insurance Center, you’re not just a number—we’re invested in protecting your whole life, not just your car or home.
We help clients every day who are shopping for insurance in Naperville, IL—check out this link if that’s where you live.
3. You Might Only Pay One Deductible
Most people don’t know this, but it’s true—if your car and house are damaged in the same event, and you’ve got them bundled, you might only have to pay one deductible.
✅ Let’s say a fire damages your garage and your car at the same time. If your policies are separate, you’d be stuck paying the deductible for both. But with a bundled policy, there’s a good chance you’ll only pay one, depending on the situation and company rules.
✅ That kind of situation could save you thousands. It also cuts down the stress of dealing with multiple claims, which—trust me—is something nobody enjoys.
We’ve helped people from all over Chicagoland with this exact issue. If you’re nearby, we also offer insurance in Chicago, IL—click here for more information.
4. You Could Save Real Money
This is the big one. When people ask me about bundling, the first thing they want to know is how much they’ll save.
✅ Most people save about 16% when they bundle their auto and homeowners insurance. That number varies based on your location, what kind of car you drive, and your claims history, but almost everyone saves something.
✅ You might also get better pricing on your deductible or added perks. Things like roadside assistance, rental car coverage, or even higher limits can sometimes be added at a discount when everything’s combined.
And remember, the more you bundle, the better. You can also add life insurance, contractor insurance, and even business insurance for extra savings.
Looking for help in the suburbs? We offer insurance in Joliet, IL too—learn more here.
What Else Can You Bundle With Auto and Homeowners Insurance?
We’re glad you asked.
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Life Insurance: Protect your loved ones with a policy from our life insurance plans. Many clients add this to their bundle and still keep things simple.
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Commercial Auto Insurance: If you run a business or use your car for work, commercial auto insurance can be part of your plan.
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Homeowners Upgrades: From added flood protection to replacement cost coverage, bundling can sometimes give you better options for protecting your home. Check out our homeowners insurance page to see what’s possible.
We’re also proud to help our neighbors looking for insurance in Rockford, IL—click here to find out how we serve your area.
Frequently Asked Questions
1. What is bundling auto and homeowners insurance?
It means combining both policies under one company—usually for a discount and convenience.
2. How much can I save by bundling?
Most people save around 16%, though savings can vary.
3. Is it harder to file a claim if I bundle?
Not at all. In fact, it often makes things easier by having one company handle everything.
4. Will I always pay only one deductible?
Not always, but in cases where one event causes damage to both your home and car, it’s possible.
5. Can I add more policies to my bundle later?
Absolutely. Many clients add life, rental, or commercial auto coverage down the road.
6. Can bundling help my insurance rates if I’ve had tickets or an accident?
It can. Companies often see bundled customers as more reliable.
7. Does bundling affect how I make payments?
Bundling can simplify billing, letting you pay everything together or at least in fewer chunks.
8. Do all insurance companies offer bundling?
No, but Illinois Insurance Center does, and we work with multiple carriers to find the right fit.
9. Is bundling worth it if I haven’t had any claims?
Yes. You may still qualify for discounts and simplify your insurance setup.
10. How do I get started?
Just call us at 708-524-4900 or visit our contact page to get started today.
Final Thoughts: Should You Bundle Auto and Homeowners Insurance?
At the end of the day, bundling your auto and homeowners insurance makes life easier. You save time, money, and avoid the headache of dealing with different companies. And when something unexpected happens—like a fire, storm, or accident—you’ll be glad everything’s under one roof.
Here at Illinois Insurance Center, we’ve been helping people in Chicago and all over Illinois for years. Whether you live in Aurora, Naperville, Chicago, Joliet, or Rockford, we’re here to help you protect what matters most.
Give us a call at 708-524-4900 or reach out through our contact form. Let’s talk about how bundling your policies can work for you.
We’re real people, giving real service, right here in Illinois. Let’s keep it simple—and let’s keep you covered.
