Bundles lose when one risk is hard to place — a teen driver, an older roof, a breed on somebody's list. Then the clean risk subsidizes the hard one and two carriers beat one. You don't have to guess which household you are: add every line to one order and read the table.
The combinations that work
// 01
Auto + Home
The classic, and the deepest discounts in the market. Roof and driving record decide which carrier wins the pair.
// 02
Auto + Renters
The cheapest bundle in insurance — the renters policy frequently pays for itself in auto discount.
// 03
Home + Umbrella
The umbrella wants your underlying limits at certain floors; bundling makes the whole tower bind cleanly.
// 04
Everything + Motorcycle
Garage-level pricing: carriers quote the household, not the vehicle.
The honest caveat