Car Insurance For Homeowners

Homeowner's car insurance can be bundled with other insurance policies to lower your car insurance rates. Homeowner's car insurance bundles are the best way to save money on your car insurance coverage. Start comparing homeowner's car insurance quotes online for free in order to find the best rate for your coverage.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jan 19, 2021

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Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

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Here's what you need to know...

  • If you’re a homeowner, you can usually save money when you combine your car insurance with your homeowner’s insurance
  • The same holds true for renter’s insurance combined with car insurance
  • When looking to purchase insurance, watch out for scams
  • There are several ways to receive discounts on your insurance premiums

Owning a piece of the American dream can be the gateway to financial independence. Unfortunately, during the recent economic downturn, many people lost their homes. Many others lost their cars as well as their means of making a living.

Fortunately, there are ways to save money on car insurance!

Comparison car insurance quotes are available now with only your zip code!

When we are able to save money in one area, we are able to apply the savings someplace else. Many companies are offering bundled services for such things like internet, cable, and phone. Read on to learn how bundling applies to insurance policies.

The Benefits of Homeowner’s Car Insurance

Homeowner’s car insurance is a bundled product offered by insurance carriers today. Is it a good idea to bundle home and auto insurance? It has the advantage of combining both homeowner’s insurance and car insurance under what is known as a multi-line product.

Here are some of the benefits to combining home and auto insurance plans:

  • Savings
  • Ease – Rather than doing business with two separate companies, one payment is highly possible.
  • Preferred customer status – As a result of having multiple policies under one umbrella of protection you can sometimes get a preferred status.
  • Claim filing – If filing a claim becomes necessary, the pros outweigh the cons.

Recreational vehicles and boats have a housing component to them and are looked upon as a home and car combination. There are homeowner’s car insurance carriers who specialize in providing insurance for RVs and boats.

Although boat owners are not required to purchase coverage, it would be wise to protect such an investment.

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Shopping for Homeowner’s Car Insurance

Shopping for homeowner’s car insurance should not be a dreaded task. Many companies advertise bundled packages at a discount. These are the carriers who should receive strong consideration.

Most have websites that have the convenience of paying both policies online or with a bank draft.

There are many small companies cropping up on the internet that are not stable in the industry or licensed to do business in your state.

Savvy consumers should check out their financial status with a rating organization like J.D. Power and Associates or A.M. Best.

Any company with less than a “B” rating may be cause for some concerns. J.D. Power and Associates reported the lack of confidence consumers have in recent years in insurance carriers is due to the state of the economy.

Major and/or local carriers with recognizable names tend to be safer options.

Many are buying discounted insurance policies only to find when they have an accident they are not covered at all. Some of these scams involve:

  • insurance agents advertising the lowest rates
  • agents charging referral fees
  • charging incomprehensible fees to do business

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How to Save on Homeowner’s Car Insurance

Taking advantage of all possible discounts is the way to play the savings game. You may be eligible for discounts for your car and home. A short list of examples includes such things as:

  • Home and car security measures
  • Safety devices such as side airbags, smoke detectors, and fire extinguishers
  • Club and membership discounts: Seniors, AAA, Professionals, etc.
  • Safety classes
  • Paying your premiums in advance

Increasing your deductible lowers premiums on both home and car. Multiple cars in the home qualify for discounts as well. Customization and frequent updates to your policy will help to avoid unnecessary coverage.

Homeowner’s Car Insurance for Renters

Although you must be a homeowner to purchase homeowner’s insurance, you may be able to combine your car insurance with renter’s insurance and receive the same type of discount.

If you are renting, you need protection for the contents of the home or apartment.

Too often, life-long possessions are lost due to fires and other destruction of rental property.

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Where to Find Homeowner’s Car Insurance

Technology is allowing for the most convenient ways to learn about and compare your options. The old ways of doing business still work, however, education and information are available online to those who want to learn.

Insurance brokers represent a number of insurance carriers while insurance agents may represent one carrier. You can start your own research to narrow down your choices.

For free car insurance quotes from several companies, all is needed is your zip code to get started now!

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Enter your ZIP code below to view companies that have cheap car insurance rates.

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