(800) 253-1482Bundle Home, Auto, and Renters Insurance in Tennessee
Summary: Bundling insurance simplifies coverage and saves money. Tennessee homeowners can save with home and auto bundles, while renters in the Volunteer State enjoy lower premiums and added protection by combining renters and auto policies. Additional options, like bundling boat, motorcycle, or umbrella coverage, offer even more savings. Freedom Insurance Group helps policyholders save up to 40% by comparing bundles from top-rated carriers. Finding the right bundle ensures the perfect balance of coverage and cost. Estimated Read Time: 7 mins
Home and auto insurance bundles can save you money and simplify your coverage. Non-homeowners can also save with auto and renters insurance bundles.
Best of all, you can even customize your protection and enjoy even more protection by adding options like motorcycle or umbrella insurance, for even more savings.
While saving money is important, you shouldn't just chase discounts. It's important to find insurance bundles that meet your protection needs and help you avoid large financial setbacks in the event of a loss.
Tennessee has plenty of options and Freedom Insurance Group is proud to have partnerships with a variety of top-rated carriers helping us deliver an average of 40% in savings through bundling.
Get home, renters, and auto insurance bundle quotes by using our online tool below, or ask an agent to see how much you can save.
Types of Home, Renters, and Auto Insurance Bundles in Tennessee
The best insurance bundles combine home and auto or renters and auto coverage while offering valuable discounts.
In Tennessee, many carriers provide flexible bundling options to fit different needs.
By combining policies, you often enjoy lower premiums and comprehensive protection.
While savings vary based on personal factors, bundling is a smart way to cut costs while staying covered. Here’s a look at the types of bundles available and how they work for you:
Home and Auto Insurance Bundles
You can bundle home and auto insurance to cover potential losses that may affect your house, vehicle, and personal property. Bundling your insurance provides these benefits for less.
Furthermore, it simplifies your coverage. By personalizing your protection, you better meet your needs at a lower premium and make it easier to manage.
Auto and Renters Insurance Bundles
An auto and renters insurance bundle is similar to what homeowners enroll in, but focuses on your personal property and vehicle as your home is the responsibility of your landlord.
Many carriers offer auto and renters insurance bundles, giving you plenty of options to choose from.
Protecting your personal belongings and vehicles is essential and through bundling, you’ll receive a simple, affordable way to ensure comprehensive coverage for the things you’ve worked hard for.
Auto and Condo Insurance Bundles
Condos and townhomes have different coverage needs than traditional homes, but you can still bundle them with auto insurance.
Since condos often cost less to insure, bundling can lead to even greater savings. A condo bundle protects your unit, personal property, and vehicle under one convenient policy.
How to Shop for Bundled Insurance in Tennessee
To maximize savings and protection, shop smart when choosing insurance bundles.
Homeowners and renters have many options for bundling auto coverage, but not all bundles are equal.
If you’re going to get the best deal and protection, there are a few things homeowners and renters should know when bundling insurance.
Here’s how to secure affordable, comprehensive protection with a home and auto or auto and renters bundle:
Enroll Everything at Once
When shopping for insurance, timing can make a big difference in your savings.
If you're considering a home and auto bundle or an auto and renters insurance bundle, enrolling in both coverages at the same time can unlock additional discounts—especially when switching carriers.
This strategy might not suit everyone, but asking your agent about bundling multiple policies simultaneously is a simple way to maximize savings while securing comprehensive protection.
Inquire About Auto Insurance Discounts
When shopping for insurance bundles, don't forget to ask about all the available auto insurance discounts you may qualify for.
Bundling your coverage brings significant savings, however, it may also unlock more savings you might miss if you don't ask.
Always be sure to double-check with your insurance agent about possible discounts and compare your options to ensure you get the best deal.
Get Quotes From Mulitple Carriers
Just like looking at multiple discounts is important, even when bundling insurance, you’re going to need to shop among multiple carriers for the best bundle.
You can find that among insurers, the amount you pay for coverage will vary greatly.
This is why it’s important to compare insurance bundles from many different carriers. Taking the time to weigh your options will maximize your coverage while also saving you significantly in the long run.
Should I Bundle Home and Auto Insurance in Tennessee?
Most homeowners and renters will benefit from bundling insurance policies but it’s not a universal guarantee.
Although it’s a great way to save money, insurance bundles still have many variables, including the type of vehicle you drive, where you live, etc.
For homeowners, home and auto bundles combine affordability with the peace of knowing they’re protected from what might come.
Renters can also enjoy the benefits of bundling insurance, but coverage needs vary from person to person.
Factors like your driving record or claims history can impact your eligibility for bundling auto insurance with home or renters or the savings you might receive.
If you have a poor driving record or multiple claims, individual policies may actually be more cost-effective than a bundle.
While bundling insurance typically offers discounts, it’s important to compare options to find the best fit for your situation.
Multi-policy discounts are valuable, but balancing cost with adequate protection is key.
Everyone’s insurance needs are different, so there isn’t a one-size-fits-all solution.
Always evaluate your coverage options carefully to find the right combination of savings and security—bundling works best when it aligns with both your budget and the level of protection you need.
Pros of Bundling Insurance
Insurance bundles can be a smart choice for many, offering several advantages. While they might not suit everyone, here are some core benefits of bundling your home, renters, and auto insurance you’ll find when exploring your options:
Save on Premiums
Bundling insurance typically helps you save while boosting your protection. It’s why so many people choose to bundle—better coverage and lower costs are both available in one convenient package.
Simplier Protection
Keeping track of multiple policies can be overwhelming. Bundling streamlines your insurance, saving you time and effort. Plus, having everything with one insurer makes filing claims easier should you suffer a loss.
Find Additional Discounts
Home or rental and auto bundles come with built-in savings, but you might also qualify for extra discounts, like safe driver or multi-policy discounts. Comparing discounts across providers ensures you get the best deal possible.
Cons of Bundling Insurance
Insurance bundles can save money for many, but they aren't always the best choice. Here are some situations where you might consider other options to protect your home, auto, and personal belongings:
Renters Might Not Benefit
Auto and renters insurance bundles can save money, but renters coverage is already affordable.
Bundling might not lead to significant savings compared to higher-priced policies like home and auto bundles.
Switching insurers could still be beneficial for better rates or coverage, but bundling isn’t always the top choice when you rent.
Bundling Can Complicate Switching Providers
Bundling with one company simplifies management but can make it harder to shop for better rates.
Your discounts depend on personal factors, so the instant quotes you see when bundling may not reflect your savings.
Getting an accurate bundled quote often requires speaking with an agent and providing detailed information, which can take time.
Keep in mind that the time you spend can lead to serious savings but it’s still something to be aware of.
Separate Policies May Be Cheaper
Getting a discount because of bundling is common but it’s not a guarantee. In some cases, you may save more by keeping separate policies as you need them.
Individual policy discounts can sometimes outweigh bundling discounts as some carriers specialize in certain areas better than others.
Shopping around ensures you get specialized coverage and potentially better protection for your unique needs.
Bundle Home and Auto Insurance But Don’t Live in Tennessee
Bundling home and auto insurance is an easy way to save money, especially if you own more than one property.
You can combine coverage for your home, vacation house, and vehicles under one policy for convenience and better protection.
Some insurers even let you add boat insurance to your bundle, giving you more ways to save.
For example, if you live in Memphis and have a vacation home near Pigeon Forge, bundling can simplify your coverage and lower your costs.
Bundling across state lines is also possible if your carrier operates in both states.
However, not all companies offer bundles for multiple homes, so it’s important to compare your options carefully.
An insurance broker can help you find the right bundle for your needs. With customized coverage, you can protect your home, vacation property, vehicles, and even boats with one plan.
Freedom Insurance Group helps clients save by comparing options from trusted carriers. Call today to learn more about bundling home, auto, and renters insurance to start saving.
