Why carriers pay you to bundle

A household with auto and home at one carrier stays longer, files more predictably, and costs less to service. Carriers hand a piece of that value back as multi-policy discounts — commonly 10–25% across both policies. That part is real money.

When the bundle loses

Discounts apply to that carrier's base rates — and if their home rate in your ZIP is uncompetitive, a 20% discount on a bad number still loses to a good number. Households with one hard-to-place risk (an old roof, a teen driver, a dog on a list) often do better splitting carriers so the easy risk isn't taxed by the hard one.

How to know

Quote it both ways in one order. Pearl rates bundled and standalone configurations across the market simultaneously, so the answer is a comparison table, not a slogan. Roughly speaking: clean households usually win bundled; complicated ones usually win split. Yours is an empirical question with a one-hour answer.