Home & Auto Insurance
Home + Auto Bundle
One carrier, two policies, real savings — we run the numbers both ways before you decide.
Bundling your home and auto insurance with the same carrier typically saves 10–25% on both policies. But "typically" isn't good enough — we run your rates bundled and separate across multiple carriers and show you the actual dollar difference before you make any decision.
10–25%
Typical bundle discount on both home and auto premiums
2 policies
One carrier, one renewal date, one point of contact for claims
$0
Our fee to run the comparison — carriers pay us, not you
How bundling works
Most carriers offer a multi-policy discount when you insure both your home and your vehicle with them. The discount applies to both policies simultaneously — so if you're paying $1,400/year on home and $1,200/year on auto, a 15% bundle discount saves you roughly $390/year.
What most people don't realize: the best bundle price isn't always with the same carrier that gave you the best standalone price. Some carriers are highly competitive on home but weak on auto, or vice versa. We check both scenarios — bundled with one carrier versus the best standalone rate from two different carriers — and tell you which actually saves more.
The math we run for you
Best bundled total from a single carrier vs. best standalone home + best standalone auto from two separate carriers. Most agents only show you one scenario. We show you both.
What we compare
When you ask us to run a bundle comparison, here's what we do:
- Pull your current premiums — We start from what you're actually paying today on both home and auto.
- Run standalone quotes — Multiple carriers for each policy independently, finding the best home rate and the best auto rate separately.
- Run bundled quotes — Every carrier that writes both home and auto in Wisconsin, with the multi-policy discount applied.
- Compare total cost both ways — Bundled total vs. best separate total, side by side.
- Check coverage equivalence — A cheaper bundle that quietly reduces your dwelling limit or drops uninsured motorist protection isn't savings. We flag any coverage differences before you decide.
When bundling makes sense — and when it doesn't
Good candidates for bundling
- Your home and auto are currently with different carriers and you've never compared the bundled rate
- You're buying a new home and want to set up both policies at the same time
- You're coming off a claim-free period and your rates are favorable
- You want a single renewal date and one agent handling both policies
When standalone may win
- You had a significant home claim recently — some carriers won't bundle in that situation or price it unfavorably
- Your auto situation is complex (multiple drivers, young drivers, recent violations) — a specialist auto carrier sometimes beats any bundle discount
Bundle questions, answered
Straightforward answers — no hedging.
Does bundling mean I lose flexibility to switch carriers?
No. You can move either policy at renewal without penalty. Most bundle discounts apply annually — if the math changes at renewal, we re-run the comparison and tell you whether staying bundled still makes sense.
Do you bundle renters insurance and auto too?
Yes. The same multi-policy logic applies to renters + auto, and the savings are often proportionally larger because renters premiums are lower. Most carriers that offer this discount apply it to both policies.
What if my home and auto are already with the same carrier?
We still run the comparison. Being with one carrier doesn't automatically mean you're getting the bundle discount — and even if you are, rates may have shifted since you last shopped. We re-check at every renewal.
How long does a bundle comparison take?
About 10 minutes to gather what we need from you. We'll have numbers back to you the same day — both bundled and separate — so you can make an informed decision with the actual dollar difference in hand.
Is there a cost to run a bundle comparison?
No. Our comparison is free. Carriers pay us a commission when you place a policy — there's no separate fee to you at any point in the process.
What if bundling doesn't actually save me money?
Then we'll tell you that. Our goal is to find your lowest total cost — not to push a bundle. If two separate carriers give you better rates with equivalent coverage, we'll show you that comparison and let you decide.
Our approach
We compare bundled vs. separate rates from multiple carriers before recommending anything. If bundling doesn't save you money, we'll tell you that too.
Why use an independent agency for your bundle?
A captive agent (one tied to a single company) can only offer you that company's bundle. We compare multiple carriers and run both bundled and standalone scenarios — something a single-company agent can't do.
- We compare bundled rates across all carriers that write both home and auto in Wisconsin
- We show you bundled vs. separate totals before you make any decision
- We check that coverage limits are equivalent across scenarios — not just price
- We re-run the comparison at every renewal if a carrier raises your rate
- Local to Onalaska — we understand western Wisconsin carrier pricing and local risk factors
Related coverage
Get your bundle comparison
We'll run your home and auto rates bundled and separate — no charge, no obligation. Takes about 10 minutes to gather what we need, and we'll have numbers back to you the same day.
Hougom Insurance Agency · 115 10th Ave S, Suite A · Onalaska, WI 54650
Hougom Insurance Agency is a licensed independent insurance agency (NPN 20742808). Premium savings vary by carrier, coverage level, location, claims history, and other underwriting factors. Bundle discounts are not guaranteed on all policies or for all applicants.