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Secure a great auto and home insurance bundle in California with Mercury. Combine your policies to simplify your coverage and unlock competitive rates that put money back in your pocket.
How Does Bundling Work in California?
Bundling means purchasing two or more insurance policies from the same provider. In the Golden State, where the cost of living can be high, finding the cheapest home and auto insurance in California without sacrificing quality is a priority for many residents.
When you bundle, you typically manage all your policies through a single login or point of contact, simplifying your administrative tasks. Instead of juggling different renewal dates and carrier contacts, you have one dedicated Mercury agent and one cohesive support team. This streamlined approach allows us to offer you a multi-policy discount, which lowers the premiums on individual policies because you have consolidated your business with us.
The Benefits of Bundling Home & Auto
Bundling home and auto insurance offers advantages beyond just cost savings. These include:
- Significant Savings: Access exclusive discounts unavailable to single-policy holders.
- Simplified Management: Manage your auto and home insurance bundle through a single digital account or with one dedicated local agent.
- Gap-Free Coverage: A single provider helps ensure your policies work together seamlessly, reducing the risk of coverage gaps.
- Loyalty Rewards: Long-term policyholders can qualify for additional perks and rate reductions over time.
Why Bundle Home and Auto with Mercury?
Choosing the best home and car insurance bundle is about value and peace of mind, not just the lowest price. Mercury Insurance has been serving Californians since 1962, providing low rates, big discounts, and great insurance. When you secure a car and home insurance bundle with us, you gain access to:
- Dedicated Local Agents: Get personalized service from agents who understand the specific risks in your California neighborhood.
- 24/7 Claims Service: We are there for you around the clock when the unexpected happens.
- Guaranteed Repairs: Peace of mind knowing your vehicle repairs are guaranteed at authorized shops.
How to Save Money When You Bundle in California
The amount you save depends on the specific policies you combine. Mercury offers a structured multi-policy discount applied to your property policy when you bundle it with auto insurance.
Here’s a breakdown of the potential savings based on your specific policy type:
Homeowners (HO-3) Policy Discounts
- HO-3 Only: Save 14.5%
- HO-3 + California Earthquake Authority (CEA): Save 17.9%
- HO-3 + Umbrella: Save 18.8%
- HO-3 + CEA + Umbrella: Save 19.6%
Renters Insurance (HO-4)
- HO-4 Only: Save 4.0%
- HO-4 + Umbrella: Save 8.8%
Condo Insurance (HO-6)
- HO-6 Only: Save 12.0%
- HO-6 + Umbrella: Save 16.4%
Looking for more ways to lower your premium? Visit our California Auto Insurance page for additional discount information.
What Types of Insurance Can You Bundle With Mercury in California?
Mercury offers flexible options to create the best auto and home insurance bundle for California residents. Here are some of the ways you can bundle.
Home and Auto
The home and auto insurance bundle is the most common way to save. If you own a single-family home, combining it with your auto insurance provides extensive coverage for your property and liability while unlocking our deepest discounts.
Renters and Auto
If you rent a house or apartment, you can bundle your renters insurance with your car insurance. This auto and renters insurance bundle protects your personal property and vehicle while lowering your monthly costs.
Home and Umbrella
If you need higher liability limits, bundling your home policy with personal umbrella insurance offers an extra layer of financial security against major lawsuits or claims that exceed your standard policy limits.
Home and Business Owners
If you run a business, you may bundle your business owners insurance or commercial auto insurance with your personal home policy, streamlining your professional and personal asset protection.
Learn More About Bundling Insurance with Mercury
Check out our blog for helpful tips, insights, and answers to common questions:
Insurance Bundling 101: Understanding the Basics
Why You Should Bundle Renters and Car Insurance
Does Bundling Home and Auto Insurance Actually Save You Money?
What are the Benefits of Bundling Insurance for Policyholders?Frequently Asked Questions About Bundling
What are the benefits of bundling in California?
The primary benefit of bundling in California is saving money through multi-policy discounts. Additionally, bundling simplifies your insurance management by consolidating your policies with one provider, making bill payments and claims processing easier.
Should I bundle home and auto insurance in California?
Yes, for most people, bundling is highly recommended. It’s often the most effective way to secure the best bundle insurance in California, offering both financial savings and administrative convenience.
What should I consider when bundling home and auto insurance?
Consider the coverage limits and deductibles for each policy to ensure they meet your specific needs. It is also important to verify that the bundled discount offers a lower total price than purchasing separate policies from different carriers.
Can I get a bundled quote online?
Absolutely. You can request a quote for an auto and home insurance bundle directly through our website, or by contacting a local Mercury agent who can walk you through your options.
Does bundling insurance actually save money in California?
Yes, bundling can reduce premiums. As outlined above, Mercury policyholders can save up to 19.6% depending on the specific combination of policies they choose.