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Buying insurance for your home and car is not the most exciting task on your list. Yet, it is one of those adulting tasks that can save you a lot of stress (and money) down the line. Whether you are protecting your home sweet home or your trusty car, the insurance company matters. And what if you bundle your home and auto policies? You could save some serious cash without overcomplicating it. In this guide, we're diving into the top home and auto insurance companies of 2025 and explaining why they rock, along with providing you with pointers on how to select coverage that will fit your life like a glove.
Why Bundle Home and Auto Insurance?
Before we jump into the best companies, let’s talk about why bundling your home and auto insurance is such a smart move. Here’s the deal:
- Save Money: Most companies offer a discount when you bundle—sometimes up to 30%! Who doesn’t love a deal?
- Less Hassle: One insurer, one bill, one point of contact for claims. It’s way easier than juggling multiple policies.
- Claims Perks: If something crazy happens—like a tree falls on your house and your car—some insurers will only make you pay the higher deductible, not both.
That said, bundling isn’t always the cheapest option for everyone. Sometimes, separate policies from different companies can save you more. So, let’s look at the top players in 2025 and figure out which one’s right for you.
Related: How to Get a New Roof for Free: A Guide for Seniors and Homeowners
The Best Home and Auto Insurance Companies for 2025
We’ve scoured recent reviews, customer feedback, and industry data to bring you the top five home and auto insurance companies for 2025. Each one shines in its own way, so let’s break down what they offer, their discounts, and who they’re best for.
1. USAA: The Go-To for Military Families
If you’re in the military, a veteran, or part of a military family, USAA is probably already on your radar—and for good reason. They’re consistently a fan favorite for home and auto insurance, thanks to their killer customer service and solid coverage.
Bundling Discount: You can save up to 10% when you combine home and auto policies.
Why It’s Awesome:
- Their policies come with cool extras, like identity theft protection and replacement cost coverage for your home and stuff.
- Military-specific perks, like coverage for uniforms with no deductible.
- They scored a whopping 746 in J.D. Power’s 2025 Property Claims study for customer satisfaction (though they’re not officially ranked because of their military-only vibe).
Where It’s Available: All 50 states and Washington, D.C.
The Good Stuff:
- Great prices and top-notch service.
- Tons of coverage options, including unique ones for military gear.
The Catch:
- You have to be military-affiliated to qualify.
- Their auto insurance got a few more complaints than average, and some repair pros gave their claims process a D+ in 2024.
Who’s It For? If you’re eligible for USAA, it’s a no-brainer. Their coverage is robust, and they really get the military lifestyle, making it a great fit for service members and their families.
2. Amica: The Customer Service Champ
Amica is like that friend who always goes the extra mile. As a mutual insurance company, they’re all about keeping customers happy, and it shows—they rank super high in J.D. Power’s 2025 surveys for claims and overall satisfaction.
Bundling Discount: They offer multi-policy discounts, though the exact amount depends on your situation.
Why It’s Awesome:
- Some policies pay dividends, meaning you might get money back if the company does well.
- Flexible add-ons like Homeowners Plus or inland flood coverage let you customize your plan.
- Their digital tools make managing your policy or filing a claim a breeze.
Where It’s Available: Most states, though they’re not as focused on super high-end homes as some competitors.
The Good Stuff:
- Up to 18 discounts, like loyalty rewards or going claims-free.
- Affordable rates and a reputation for treating customers right.
The Catch:
- Dividend policies might cost more upfront.
- Not the best for insuring multimillion-dollar mansions.
Who’s It For? Amica’s perfect if you want top-tier customer service and a policy you can tweak to fit your needs. Plus, those potential dividends are a nice bonus!
3. Auto-Owners Insurance: The Budget-Friendly Pick
If you’re looking to save some cash without skimping on coverage, Auto-Owners is your guy. They’ve got the cheapest average bundled quote at $1,878 a year, according to Forbes, making them a standout for 2025.
Bundling Discount: Up to 10%, but their low base rates are already a steal.
Why It’s Awesome:
- Tons of add-ons, like guaranteed replacement cost for your home or inland flood coverage.
- Up to 12 discounts, including ones for claims-free records or water shut-off systems.
- They’ve got a solid 4/5 rating from Policygenius for customer experience and financial strength.
Where It’s Available: 26 states, like Alabama, Arizona, and Florida.
The Good Stuff:
- Super affordable, especially for bundles.
- Great coverage options for both regular and high-value homes.
The Catch:
- Not available in 24 states or D.C.
- No earthquake or eco-friendly coverage options.
Who’s It For? If you live in one of their 26 states and want a great deal on a customizable policy, Auto-Owners is tough to beat.
4. State Farm: The Everywhere Option
State Farm is like the Starbucks of insurance— they’re pretty much everywhere, and they’ve got something for everyone. As the biggest insurer in the U.S., they’re a reliable choice with some serious bundling perks.
Bundling Discount: Up to 25%—one of the best in the game.
Why It’s Awesome:
- Standard home policies include replacement cost for roofing, which is a big win.
- Discounts for things like home security systems, safe driving, or insuring multiple cars.
- You can go old-school with a local agent or manage everything online.
Where It’s Available: Auto insurance in all 50 states; home insurance in most states (but not California for home).
The Good Stuff:
- Huge network of agents for that personal touch.
- Competitive prices when you bundle.
The Catch:
- They got a few more complaints than average, per the NAIC.
- The Better Business Bureau gave them a C- rating.
Who’s It For? State Farm’s great if you want a big-name insurer with lots of agents and big bundling savings, especially if you’re not in California.
5. Nationwide: The High-Risk Driver’s Friend
Got a speeding ticket or less-than-stellar credit? Nationwide’s got your back. They offer solid rates and coverage for folks who might not have a perfect record.
Bundling Discount: Up to 20%.
Why It’s Awesome:
- Standard policies cover cool stuff like credit card fraud, forged checks, and even counterfeit money.
- Options for extended or guaranteed replacement cost for your home.
- Great rates for drivers with poor credit or a ticket or two.
Where It’s Available: Most states, but availability varies for certain coverages.
The Good Stuff:
- Affordable for high-risk drivers.
- Lots of coverage options to choose from.
The Catch:
- Home insurance complaints are a bit higher than average.
- Limited in high-risk areas like Florida or California.
Who’s It For? Nationwide’s a solid pick if you’ve got a few dings on your driving record or credit report but still want good coverage at a fair price.
How to Pick the Right Coverage for You
Finding the perfect insurance isn’t just about grabbing the cheapest deal. It’s about getting coverage that fits your life. Here’s how to nail it:
1. Figure Out What You Need:
- Home: Think about your home’s rebuild cost, the value of your stuff, and how much liability coverage you need. Standard policies cover things like fire and theft but skip floods or earthquakes. You might need add-ons like flood insurance (through the National Flood Insurance Program) or extra liability.
- Auto: Look at your car’s value, how much you drive, and your risks (like if you’ve got a teen driver). Extras like roadside assistance or rideshare coverage might be worth it.
2. Shop Around:
Get quotes from at least three companies. Sites like The Zebra or NerdWallet make it easy to compare. Make sure the quotes have the same coverage limits and deductibles so you’re comparing apples to apples.
3. Hunt for Discounts:
Bundling’s a big one, but also check for deals like good driver discounts, home security system savings, or autopay perks.
4. Check the Company’s Rep:
Look at AM Best ratings for financial strength (aim for A or higher). Read reviews on J.D. Power or Trustpilot to see how they handle claims and treat customers.
5. Read the Fine Print:
Know what’s not covered (like rodent damage or floods) and see if you need add-ons like earthquake coverage or extended replacement cost.
6. Think About Service:
Want to chat with a real person? Pick a company with local agents. Prefer doing everything online? Go for one with great digital tools.
7. Double-Check Availability:
Make sure the company operates in your state and offers the coverage you need. For example, Auto-Owners skips 24 states, and USAA is military-only.
Tips to Save on Your Insurance
Want to keep more money in your pocket? Try these:
- Bundle Up: Bundling can save you up to 30%. Compare bundled vs. separate policies to see what’s cheaper.
- Raise Your Deductible: A higher deductible means lower premiums, but make sure you can cover it if you need to file a claim.
- Boost Home Security: Alarms, smart locks, or water shut-off systems can score you discounts.
- Work on Your Credit: In states where it’s allowed, better credit can mean lower rates.
- Shop Every Year: Rates change, so check quotes when your policy’s up for renewal to make sure you’re still getting a good deal.
Wrapping It Up
Picking the right home and auto insurance in 2025 doesn’t have to be a headache. USAA’s a slam dunk for military folks, Amica’s awesome for customer service lovers, and Auto-Owners is perfect for budget shoppers. State Farm’s got you covered almost anywhere, and Nationwide’s great for drivers with a less-than-perfect record. By figuring out what you need, comparing quotes, and snagging discounts, you can lock in coverage that keeps your home and car safe without draining your wallet.
