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Maximize your savings and simplify your coverage when you bundle auto and home insurance in Arizona. Combining your policies with Mercury Insurance is the smartest way to protect your biggest investments while keeping more money in your wallet.
How Does Bundling Work in Arizona?
Bundling is the process of purchasing two or more insurance policies from the same provider. In Arizona, this is most commonly done by combining a car and home insurance bundle.
The process is straightforward:
- Get a Quote: Start by requesting a quote for both your vehicle and your residence.
- Apply Discounts: Mercury automatically applies a multi-policy discount to your premiums.
- Enjoy the Savings: You receive the same comprehensive coverage but at a reduced rate compared to buying separate policies.
The Benefits of Bundling Home & Auto in Arizona
Choosing a bundle for auto and home insurance offers more than just financial savings. It streamlines your financial life and ensures better protection. Here are some of the key benefits:
- Deep Discounts: Access competitive rates not available to single-policy holders.
- Convenience: Manage your policies, billing, and claims in one place with a single login.
Gap-Free Coverage: A bundled approach helps ensure your liability limits are consistent across your home and auto insurance policies, reducing the risk of coverage gaps.
What Types of Insurance Can You Bundle With Mercury?
Mercury offers flexibility to match your living situation. Here are some of the ways you can bundle your policies with Mercury:
Home and Auto
This is the standard home and auto insurance bundle. It combines coverage for your house (dwelling, personal property, liability) with your car insurance, providing extensive protection for homeowners.
Renters and Auto
If you rent your home, an auto and renters insurance bundle is an excellent way to save. Renters insurance protects your personal belongings and provides liability coverage, usually for just a few dollars a month when bundled with your auto policy.
Home and Umbrella
For added peace of mind, you can bundle your homeowners policy with umbrella insurance. This provides an extra layer of liability protection that kicks in when the limits of your underlying policies are reached.
How to Save Money When You Bundle with Mercury
The savings with Mercury are transparent and substantial. When you hold a multi-policy with us, you qualify for specific percentage discounts based on your policy type.
Here’s the breakdown of the multi-policy discounts available for Arizona residents:
- HO-3 (Standard Homeowners Policy): 17% discount
- HO-4 (Renters Insurance): 5% discount
- HO-6 (Condo Insurance): 7% discount
- UMB (Umbrella Policy): 2% discount
You can also maximize your savings by combining umbrella coverage:
- HO-3 + UMB: 19% discount
- HO-4 + UMB: 7% discount
- HO-6 + UMB: 9% discount
For even more ways to lower your premiums, visit our Arizona Auto Insurance page for additional discount information.
Why Bundle Home and Auto with Mercury?
When you get a home and auto insurance bundle in Arizona with Mercury, you’re getting savings and solid protection with an insurance partner who will always be in your corner. Here’s why you should bundle with Mercury:
- 24/7 Claims Service: Accidents don’t stick to business hours, and neither do we. File a claim anytime, day or night.
- Local Agents: Our network of independent agents understands the specific risks Arizona residents face, from monsoon season to heat-related vehicle issues.
- Guaranteed Repairs: When you use a Mercury-authorized repair facility, we guarantee the repairs for as long as you own your vehicle.
Learn More About Bundling Insurance with Mercury
Check out our blog for helpful tips, insights, and answers to common questions:
What are the Benefits of Bundling Insurance for Policyholders?
Insurance Bundling 101: Understanding the Basics
Does Bundling Home and Auto Insurance Actually Save You Money?
Should I Bundle Home and Auto Insurance?Frequently Asked Questions About Bundling in Arizona
What are the key benefits of bundling home and auto insurance in Arizona?
The primary benefit is financial savings. Mercury offers substantial discounts (up to 17% for homeowners and auto) when you bundle in Arizona. Additionally, bundling simplifies your insurance management by consolidating your bills and policy documents into a single provider.
What is the best home and car insurance bundle in Arizona?
The best bundle depends on your specific needs, but a policy that offers both high-value coverage and significant discounts is ideal. Mercury’s renters or home and auto insurance bundles are designed to be highly competitive, offering robust protection at a price point that drops drastically when policies are combined.
Does bundling insurance in Arizona differ by zip code?
Yes, insurance rates and bundling savings can vary by location. Factors such as local weather risks, crime rates, and traffic density in your specific Arizona zip code can influence your base premiums.
What factors impact car and home bundling in Arizona?
Your bundled rate is influenced by standard rating factors for both policies. This includes your driving record, the type of car you drive, the age and condition of your home, your credit history, and your claims history. Improving these factors while bundling can lead to the lowest possible rates.