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Lock in strong savings with an auto and home insurance bundle in New Jersey. By pairing your policies with Mercury, you can streamline your coverage and take advantage of competitive pricing designed to keep more cash in your wallet.
How Does Bundling Work in New Jersey?
Whether you’re looking at an auto and renters insurance bundle or a home and auto policy, bundling just means putting several policies under one roof. For New Jersey residents, this may mean buying your homeowners and auto insurance together through Mercury.
When you select a multi-policy bundle, your insurance company likely offers discounts, streamlining your coverage and simplifying the policy so you have a single point of contact when you need to file a claim or ask a question.
The Benefits of Bundling Home & Auto
Here are a few ways bundling auto and home insurance can offer advantages for New Jersey homeowners, renters, and vehicle owners:
- One Hub for Coverage: When you bundle in New Jersey with Mercury, your auto and home policies live in one place. This makes it easier to review coverage, request changes, or access documents online without juggling multiple logins.
- Streamlined Payments: Instead of managing separate bills and renewal dates, bundling typically means fewer statements and a more predictable billing schedule.
- Greater Policy Continuity: Insurers tend to prioritize customers who carry multiple policies, which can translate into easier renewals and fewer surprises over time.
- Potential Single Deductible Advantage: If a nor’easter, coastal storm, or severe weather event — all common in New Jersey — damages both your vehicle and your home, some bundled policies may allow you to pay just one deductible instead of two.
What Types of Insurance Can You Bundle With Mercury in New Jersey?
Mercury offers different options for New Jersey residents to combine coverage. They include:
Home and Auto
As the most common option for New Jersey residents, the car and home insurance bundle combines standard homeowners insurance (HO-3) with your personal auto policy.
Renters and Auto
Don’t own a home? If you rent an apartment or a house, you can combine your renters insurance (HO-4) with your vehicle policy. This auto and renters insurance bundle secures your vehicle and protects your personal property, whether you live in Trenton, Medford, or Newark.
Condo and Auto
Condo insurance, or HO-6, fills in the gaps your homeowners association’s master policy fails to cover, covering everything from the interior of your unit to your personal belongings. Paired with vehicle coverage, you can save money by bundling the two.
How to Save Money When You Bundle in New Jersey
There are plenty of reasons to bundle home and auto insurance. The primary one, however, is the multi-policy discount that bundling offers. Here’s what you can potentially save with Mercury based on the type of policies you hold as a New Jersey resident:
- Homeowners (HO-3): Save 14% with a car and home insurance bundle.
- Renters (HO-4): Save 3% with an auto and renters insurance bundle.
- Condo (HO-6): Save 7% when you roll your condo and auto insurance into a multi-policy with Mercury.
If you’re looking to lower your car insurance premiums, add in a good driver discount or save more with a student driver discount, visit our New Jersey auto insurance page.
Why Bundle Home and Auto with Mercury?
Choosing Mercury as your multi-policy insurance provider can save you money and time while keeping you and those you love most protected. Here are a few reasons why Mercury can provide you with the best home and car insurance bundles — or any type of bundle your lifestyle and budget requires:
- Local expertise: Gain access to local New Jersey agents who understand the specific risks of your area, whether it’s storms on the coast or flooding after a heavy rain in Newark.
- 24/7 claims: Accidents, weather events, and emergencies never happen on schedule. That’s why Mercury is here to provide 24/7 assistance and the ability to file claims 365 days a year.
- Quick and efficient: With a long history in the industry, Mercury understands that your family can’t afford to wait. That’s why we address claims quickly, so you can get back on your feet in no time.
Learn More About Bundling Insurance with Mercury
Check out our blog for helpful tips, insights, and answers to common questions:
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?
Insurance Bundling 101: Understanding the BasicsFrequently Asked Questions About Bundling in New Jersey
What are the benefits of bundling in New Jersey?
Bundling home and auto insurance lets New Jersey residents manage multiple policies with one insurer, making billing, renewals, and policy changes simpler. It can also lead to better long-term policy stability and easier claims handling when one event affects both your home and your car.
Does bundling save money on insurance in NJ?
Yes, bundling typically means you get a discount on your multi-policy. In New Jersey, Mercury offers 14% savings with your car and home insurance bundle.
Can I customize my bundle?
Most insurers allow you to customize your bundle by choosing coverage limits, deductibles, and optional add-ons for each policy. This flexibility lets you balance cost and protection based on your New Jersey home, vehicle, and lifestyle.
What’s the difference between HO-3, H-04, and H-O6 in NJ?
HO-3 is homeowners insurance for single-family homes, HO-4 is renters insurance that covers personal belongings and liability, and HO-6 is condo insurance that covers the interior of your unit and personal property. In New Jersey, the right option depends on whether you own a home, rent, or own a condo governed by an association master policy.