Bundle Home and Auto Insurance: Keep $800 in Your Pocket

Why You Should Bundle Home and Auto Insruance

Bundle home and auto insurance with one trusted carrier and discover why you’re probably paying too much for separated policies. It’s not your fault.

“The consumer isn’t a moron; she is your wife,” David Ogilvy famously declared. At IronPoint Insurance Services, we believe you deserve the unvarnished truth about your insurance options—not marketing fluff.

Here it is: Most people waste hundreds of dollars every year on unnecessarily separate home and auto policies.

We’re here to fix that.

Savvy Homeowners Have Known This Insurance Secret for Years

The financially astute don’t pay more than necessary for protection. Why should you? Bundling home and auto insurance with one trusted carrier can put up to 25% back in your pocket while eliminating hassles you’ve simply gotten used to tolerating.

It’s like buying in bulk, except you’re not storing 24 rolls of paper towels under your bed. The insurance company gets more of your business, and you get money back. Simple as that.

💡 Bundle & Save Cheat Sheet

• Save 10-25% instantly on premiums
• Pay just ONE deductible for home + auto claims
• Receive priority claims handling and VIP treatment
• Manage one payment, one renewal date
• Get better coverage, not just lower prices

4 Financial Wins You Get from Bundling Insurance

1. Keep $800 in Your Wallet—Without Cutting Coverage

When you bundle home and auto insurance policies, you immediately qualify for discounts that put real money back in your life. Not pocket change—substantial savings of $250 to $800 annually for the typical household.

John and Maria from Sacramento discovered $642 they didn’t know they had, simply by combining policies they were already paying for separately. “It felt like finding some extra money in an old jacket pocket,” John told us, “except it was hundreds of dollars, not just a few bucks.”

2. Stop Wasting Time on Multiple Bills

Your time is valuable. Why waste it managing separate insurance policies?

With bundled coverage, you’ll get one:

• Bill instead of several scattered throughout the month
• Payment to track in your budget
• Renewal date to remember
• Phone number to call when you need help

The wealthy understand that time saved is money earned. Stop the administrative headache of juggling separate policies.

3. Never Pay Two Deductibles Again

This is where bundling reveals its true power: When disaster strikes both your home and vehicle, you only pay once.

Picture this: A tree falls during a storm, damaging your roof and crushing your car’s hood. With separate policies, you’d pay two full deductibles—as much as $1,500 out of pocket. With bundled coverage, you typically pay just the higher deductible once, putting $500-$1,000 back in your pocket exactly when you need it most.

Isn’t that when insurance should be at its best? When disaster strikes, not just when they’re collecting premiums?

4. Become a VIP, Not Just Another Policy Number

Insurance companies don’t advertise this, but they treat bundled customers better. Period.

When you consolidate your policies, you suddenly become more valuable. This translates to:

• Claims that get processed faster and with fewer questions
• Personalized attention from dedicated representatives
• More favorable treatment during policy reviews
• Higher likelihood of forgiveness after your first claim

As one client put it: “I went from being just another customer to someone they actually recognize when I call.”

Straight Answers to Your Bundling Questions

“Is Bundling Really Worth It, or Just a Marketing Gimmick?”

Ogilvy insisted on proof, not promises. Here are the facts: For 93% of our clients, bundling delivers both significant savings and superior protection.

The rare exceptions? People with unique, high-risk situations where specialized carriers make more sense. We’ll tell you honestly if that’s you.

Unlike agencies that push bundles regardless of fit, IronPoint puts your interests first. We’ve fired carriers who excelled in auto insurance but skimped on homeowners protection. Our partners must deliver excellence across all policy types—no exceptions.

“How Much Money Will I Actually Keep in My Pocket?”

Forget vague promises. Here’s what real IronPoint clients saved last year:

• The Andersons in Roseville: $437 annually (enough for a weekend getaway)
• First-time homeowner Sarah in Folsom: 22% reduction (funded her home emergency fund)
• Retired couple in El Dorado Hills: $712 annually (paid for their grandchildren’s holiday gifts)

Your specific savings depend on your situation, but our average client keeps 10-25% more of their hard-earned money through bundling.

And remember the single deductible benefit: In a disaster affecting both your home and vehicle, you could keep an additional $500-$1,000 that other insurance customers would surrender.

“Why Should I Trust IronPoint Instead of Another Agency?”

Think about this: When you buy directly from one insurance carrier with a captive agent, whose interests do they serve? The company and its shareholders.

IronPoint is independent, we’re independent insurance agents, which means we work for you—not the insurance companies. We can compare options from multiple top-rated carriers to find your perfect match. Like having a personal shopper instead of being limited to one store.

We evaluate what matters:

• How quickly they pay claims (not just what they advertise)
• What they quietly exclude in the fine print
• Their financial strength when disaster strikes
• How they treat customers when they’re not making sales

The result? Coverage that actually protects you when you need it most.

“I’m Busy. When Should I Do This and How Much Time Will It Take?”

The brutal truth: Every day you wait is costing you money.

That said, these moments present perfect opportunities:

• Buying a home: Your mortgage lender requires insurance anyway—why not save hundreds?
• After a rate increase: Don’t just accept it. Let us find you better options.
• Adding a teenage driver: Offset the rate shock with bundling discounts.
• Moving: Your insurance needs re-evaluation anyway.

As for the time investment? Most clients spend less 30 minutes on the phone with us. We handle everything else—including cancelling your old policies and securing refunds you’re owed.

“Is Switching Insurance Companies a Bureaucratic Nightmare?”

Not with IronPoint handling the details. We make switching insurance easy with our four-step process eliminates the hassle:

1. One conversation to understand your needs and current coverage.
2. Our agents shop the market while you do absolutely nothing.
3. We set up your new policies to start exactly when your old ones end.
4. Our team will cancel your old policies and make sure you get any refunds you’re due.

No paperwork headaches. No coverage gaps. No wasted time on hold with your current insurer trying to cancel.

“Will I Sacrifice Coverage Quality to Save Money?”

This is where many agencies mislead customers. They offer “savings” by quietly cutting coverage.

At IronPoint, bundling often improves your protection. Many clients discover they were underinsured before switching. We’ve seen people save money while gaining:

• True replacement cost coverage (not the depreciated value nonsense)
• Protection against things most policies quietly exclude
• Higher liability limits that prevent financial disaster
• Extra coverage for valuables your current policy likely ignores

We’d rather lose your business than sell inadequate coverage. That’s why our clients stay with us three times longer than the industry average.

Stop Overpaying. Start Today.

The math is simple:

• 15 minutes with IronPoint
• Average savings of $591 per year
• Protection that actually works when you need it

Your next step is refreshingly simple:

Three Ways to Keep More of Your Money:

Start a Quote Online: What to keep things digital. Start the conversation line.

Phone Consultation: Call (877) 334-7646. No sales pitch—just straight numbers and honest recommendations.

Why People Choose IronPoint (In Their Own Words)

“They saved us $520 a year AND found coverage gaps in our old policy that could have bankrupted us after a major claim.” — The Wilsons, Sacramento

“I thought all insurance was basically the same until IronPoint showed me the differences. Now I sleep better AND spend less.” — Michael T., Costa Mesa

“They were honest when bundling WASN’T the right choice for my particular situation. That earned my trust forever.” — Linda K., Woodland Hills

Bundle Home and Auto Insurance: What You Need to Remember

• You’re likely overpaying by 10-25% with separate policies
• When disaster strikes both home and car, you only pay one deductible
• One bill, one renewal date, one contact for everything
• Companies treat bundled customers better during claims
• IronPoint compares multiple options—we work for you, not the insurance companies

“The consumer has a brain. Give her the facts,” Ogilvy insisted. We’ve given you the facts about bundling home and auto insurance. The next step is yours.

Your home is likely your biggest investment. Your vehicles get you to work and your children to school. They deserve better than mediocre, overpriced protection.

IronPoint Insurance Services has been helping Californians find smarter insurance solutions since 2009. Our team of experienced agents serves communities throughout Arizona, California, Colorado, Nevada, Texas, Utah, and Washington .