Home and Auto Bundling in Florida: Real Savings and the Fine Print

Bundling your home and auto with one carrier is one of the few discounts that lowers price without lowering protection. It also simplifies deductibles, billing, and claims when a single storm damages both your roof and your car.

What Bundling Typically Saves

Multi-policy credits in Florida commonly range from roughly 5% to 25% depending on carrier, county, and claims history. The credit usually applies to both policies, not just one.

• Multi-policy credit on home and auto
• Single deductible provisions with some carriers
• One renewal date and one billing account
• One adjuster relationship after a storm

When Bundling Is the Wrong Move

Florida property is a specialized market. Sometimes the best home carrier does not write competitive auto, and forcing both together costs more than splitting.

• Older roofs that only surplus lines carriers will write
• Coastal wind exposure
• Drivers with recent violations or SR-22 needs
• High-value homes needing a specialty market

Bundle Without Losing Coverage

Bundle for the discount, never for a downgrade. Compare the bundled proposal against your current declarations pages before you move.

Frequently Asked Questions

Do I have to bundle with the same company to save?

Usually yes for a multi-policy credit, but an independent agency can also find standalone pricing that beats a bundle. We quote both ways.

Can I bundle a rental or condo policy with auto?

Often yes. Renters and condo unit-owner policies frequently qualify for the same multi-policy credit as homeowners.

Talk to a Licensed Florida Agent

SunGate Insurance Agency is a locally owned and operated independent agency in Lake Mary, Florida, serving clients across the state. Send us your current declarations page or a competing proposal and we will show you exactly what changed — in writing. Call 407.878.7979 or start with our quote calculator.