Home and Auto Insurance Bundle in Wentzville

What it means to bundle home and auto, why households do it, and when it isn't the better deal.

Opening soon · Not yet quoting or selling insurance

What bundling means

Bundling is buying your home and auto policies from the same insurance company. They remain two policies, each with its own coverages and deductibles. What changes is that one company holds both, and usually one agent looks after both.

Firstway is a new independent agency opening soon in Wentzville. We aren't quoting or selling policies yet; this page explains how bundling works.

Why households bundle

A multi-policy discount. Many insurers reduce the price when they hold more than one of your policies. The amount varies by company and by household, and it isn't guaranteed.
One agent, one conversation. A new teen driver, a new roof and a new car can all be handled in one call.
Coverage that lines up. When one person can see both policies, it's easier to spot gaps or mismatched liability limits.
Storm claims. When hail damages both the house and the cars, as it can in St. Charles County, both claims go to the same company.

When bundling isn't the better deal

A bundle isn't automatically the lowest total. Sometimes the best company for a particular house isn't the best one for a particular set of drivers, and two separate policies come out ahead. An independent agency can compare both ways once it is open and appointed with carriers, which is the point of being independent.

What stays separate

Flood insurance is a separate policy whether you bundle or not. So are boats, and usually motorcycles and RVs. To understand each half of a bundle, see our home insurance and auto insurance pages.

Bundling questions

Does bundling home and auto always save money?

No. Many insurers offer a multi-policy discount, but the amount varies, and two separate policies are sometimes cheaper in total. The only way to know is to compare both.

Do both policies have to be with the same company?

For a bundle discount, yes. You can still keep both policies with one agent while they sit with different companies, which keeps the convenience without the discount.

Can renters bundle too?

Often, yes. Many insurers treat a renters policy and an auto policy as a bundle.

Can Firstway set up a bundle for me yet?

No. Firstway isn't open, and we don't quote or sell insurance until we are licensed. Leave your name on this page and we'll contact you when we open.