Bundle Home and Auto Insurance in New York
Bundling means keeping your home and auto policies with the same insurer. New York's Department of Financial Services says some insurers offer discounts for maintaining multiple policies with them. John Lepore Agency can look at your home, auto, and umbrella coverage together. Call 855-945-1900 or send your current policies for a rate.
How home, auto, and umbrella insurance fit together
Your home and auto policies each have a liability limit, the most the policy pays if you're found responsible for someone else's injury or property damage. A personal umbrella policy sits above those limits and picks up where they stop.
- Your auto policy pays
- $250,000
- Your umbrella pays
- $500,000
- Left for you to pay
- $0
An illustration using an example auto liability limit of $250,000, not a quote or a promise of coverage. Coverage depends on the policy terms.
What your umbrella adds
Liability protection above your home, auto, or renters limits, typically $1 million or more, according to New York's Department of Financial Services. It usually also covers offenses such as libel, slander, false arrest, and invasion of privacy.
Why they get set up together
Insurers may require certain minimum liability limits on your primary policies before they'll write an umbrella. Change one limit and it can affect the others, so we look at all three as one picture.
What you need to bundle home and auto insurance
What to check before you bundle home and auto insurance
Make sure your mailing and garaging addresses are correct, each vehicle has the correct driver, mileage, and primary use, and all the discounts you're entitled to have been applied.
Home and auto bundling questions
Does bundling home and auto always lower my rate?
It depends on the insurer and your situation. Some insurers offer discounts for keeping multiple policies with them.
Can I add an umbrella policy to my home and auto bundle?
Yes, you can ask us about adding one. Insurers may require certain minimum liability limits on your primary policies.
What do I need for a home and auto insurance quote?
Your current declarations pages are the fastest way to start. Send your current policies
Related pages on bundling home and auto
Have your current home and auto policies? Send a photo for a rate
It's the fastest way to a rate: one photo or PDF instead of a long form. John or Allen reads it and comes back to you.
Find your declarations page
It's usually the first page of your policy or renewal packet. You can also download it from your insurer's website or app.
Take a photo or choose a file
Lay the page flat in good light with all four corners showing. A PDF or a screenshot works too.
Send everything at once
Home, auto, and umbrella can go together. We sort them, and each policy gets its own review.