“Should I bundle?” is one of the questions we hear most at our Gladstone and North Kansas City offices. The short answer: for a lot of households it’s worth a look, but it isn’t automatic, and the details matter. Here’s a plain-English explanation of how bundling works for families in Missouri and Kansas.
What Does “Bundling” Mean?
Bundling means buying more than one type of insurance from the same company. The most common bundle is homeowners (or renters or condo) insurance plus auto insurance. Many insurers, including Allstate, offer a multi-policy discount when you combine eligible policies.
You can also bundle other coverage, depending on what’s available, such as:
- Renters or condo insurance with auto
- Motorcycle, boat or RV coverage
- Life insurance
- Umbrella liability coverage
How Bundling Can Lower Your Cost
The main way bundling saves money is the multi-policy discount. The size of the discount varies by insurer, state, the policies you combine and your situation, so we can’t give you a number here without quoting you. What we can say is that it’s worth comparing a bundled quote with what you’re paying now for separate policies.
There are other benefits that aren’t about price:
- One agent and one point of contact. When a storm damages your house and your car on the same day, it helps to call one office.
- Easier billing. Fewer bills and renewal dates to keep track of.
- Coordinated coverage. It’s easier to spot gaps, like liability limits that don’t line up with an umbrella policy.
When Bundling May Not Be the Best Fit
Bundling isn’t always the lowest total price. A few situations where it pays to compare carefully:
- One of your policies is unusually competitive on its own.
- Your home or vehicles have special underwriting needs.
- You’re comparing a bundle with lower coverage limits against separate policies with better coverage. Price only means something when coverage is similar.
Our advice: compare the total cost and the coverage, not just the discount percentage.
Other Discounts That Can Stack With a Bundle
Depending on eligibility and what’s offered in your state, other ways to manage your premium may include:
- Safe driving or telematics programs
- Paying in full or setting up automatic payments
- Home safety features like smoke detectors, security systems or newer roofs
- Good student discounts for young drivers
- Choosing a higher deductible
Discounts and eligibility vary, so ask your agent which ones apply to you.
Bundling Across State Lines
Kansas City is a two-state town. Plenty of families live on one side of State Line Road and work on the other. If you’re moving between Missouri and Kansas, or own property in both states, it’s worth reviewing your policies, since auto and home insurance rules and coverage options differ by state. We write policies throughout both Missouri and Kansas, so we can help with either side.
How to Get a Bundle Quote
To get an accurate comparison, it helps to have:
- Your current declarations pages for home and auto
- Driver’s license numbers and vehicle VINs
- Basic home details: year built, roof age, square footage and any updates
- Your current renewal dates, so you don’t switch at an awkward time
We’ll put together a quote with similar coverage so you can make an apples-to-apples comparison.
Local Help in the Northland
We’re a local Allstate agency with offices in Gladstone and North Kansas City, and we help families in Liberty, Parkville, Riverside, Smithville and across Missouri and Kansas.
Frequently Asked Questions
Is bundling home and auto insurance always cheaper?
Not always. A multi-policy discount often helps, but the total price depends on your home, vehicles, drivers and coverage choices. Compare total cost with similar coverage.
Can I bundle renters insurance with auto?
Often, yes. Many insurers treat renters insurance as an eligible policy for a multi-policy discount. Ask your agent what’s available.
Do I have to switch both policies at the same time?
No. You can often add a policy when the other one renews. Your agent can help time the switch so you don’t have a gap or pay for overlapping coverage.
Can I bundle if I live in Kansas and work in Missouri?
Your home and auto policies are generally written for the state where you live and garage your vehicles. We write policies in both Missouri and Kansas and can help either way.
Talk to a Local Agent
Want a second set of eyes on your coverage? Request a free quote online or call our Gladstone office at 816-420-0502. We’re at 6812 N Oak Trafficway, Unit 3, Gladstone, MO 64118. Our other office is Hilt Group Agency, run by Eric Hilt, at 315 E 18th Ave, North Kansas City, MO 64116, phone 816-605-7683. We write policies throughout Missouri and Kansas.
This article is general information, not legal advice. Coverage, discounts and availability vary and are subject to policy terms, conditions, exclusions and underwriting. Talk with a licensed agent about your situation.
