Why Unbundling Your Auto and Home Insurance Can Save You Money — And Get You Better Coverage
Why Unbundling Your Auto and Home Insurance Can Be a Smart Financial Move
Most people assume bundling their auto and home insurance is always the cheapest and simplest way to insure their household. And while bundles can be convenient, they aren’t always the most cost‑effective or flexible choice—especially in today’s shifting insurance market.
For many Georgia and California families we work with at Barr Insurance Agency, unbundling actually leads to better coverage, lower premiums, and stronger protection overall.
Below, we break down why unbundling might be the smarter option—and provide trusted resources to help you make confident decisions.
1. You Get Access to More Carriers & Better Pricing
When you bundle, you’re locked into one insurer—even if they’re competitive for home insurance but overpriced for auto, or vice versa.
By unbundling, you can mix and match:
A company that specializes in competitive auto rates
A company known for strong home insurance coverage
A landlord or umbrella carrier with better eligibility and pricing
This flexibility can save hundreds per year.
Authoritative resources:
Insurance Information Institute (III) on comparison shopping
National Association of Insurance Commissioners (NAIC) on understanding premiums
2. You Avoid Being Penalized When One Policy Goes Up
A bundle ties both policies to the same renewal cycle. So when:
Home insurance surges because of roof age rules or construction inflation
Auto insurance spikes due to accidents or market rate increases
…you’re forced to keep both with the same carrier—even if only one policy is the problem.
Unbundling lets you move the expensive policy while keeping the good one.
3. You Can Choose Carriers With the Best Coverages for Each Line
Every carrier has strengths and weaknesses.
Examples:
Some auto insurers excel at accident forgiveness, OEM parts, and telematics discounts
Some home insurers offer water backup, equipment breakdown, or short‑term rental endorsements
Landlord carriers vary widely in tenant damage, vacancy tolerance, and replacement cost
Umbrella carriers differ in auto liability requirements
Unbundling lets you build your insurance plan based on strength, not “who offers both.”
4. You Often Get Better Claims Service
Large insurers may specialize in auto claims, while others shine in property claims. When unbundled, you can select companies with:
Faster claim response
Higher customer satisfaction
Stronger catastrophe-handling performance
Authoritative resource:
5. Your Overall Risk Is More Diversified
Putting everything with one insurer means:
One nonrenewal impacts your entire household
One claim history affects both policies
One underwriting decision determines your eligibility
By spreading risk across companies, you keep more stability and options long‑term.
6. Better Eligibility—Especially for Homes in Georgia & California
As markets tighten, some insurers have:
Roof age restrictions
Heat/air updates requirements
Acreage or protection class limits
Wildfire or coastal restrictions
Unbundling keeps you from losing both policies if one doesn’t meet the guidelines.
Authoritative resource:
7. You Can Still Get a Multi‑Policy Discount—Without Bundling
Many insurers allow “companion policy” discounts even if the second policy is with another company, as long as you can prove you carry it.
At Barr Insurance, we help customers identify every available discount while still placing policies where they fit best.
Ready to See If Unbundling Will Save You Money?
We make the comparison easy. We’ll review your current policies, analyze pricing across multiple carriers, and find the combination that works best for you.
