# Bundling home & auto insurance

Save up to 20%** when you bundle your home and auto policies with Kin.

When we say "home insurance" or "homeowners insurance," we're referring to House & Property insurance.

Outside of Florida & Louisiana, Kin offers House & Property insurance, which has a base policy that provides coverage similar to landlord insurance. Homeowners who live in their home can add an owner-occupied endorsement to create coverage similar to an HO3 policy.

## Why bundle?

From a streamlined experience to serious savings, bundling makes life easier.

### Savings

You can save up to 20% when you bundle your policies with Kin.*

### Simplicity

Two policies, one portal. Manage everything in one, easy-to-access place.

### Exceptional care

Licensed Kin agents are easy to reach and ready to listen. Contact us via email, phone, or live chat.

## What does homeowners insurance cover?

Rest easy knowing your coverage protects what matters most.

**Dwelling coverage** for the actual structure of your home, inside and out.

**Other structures** for things like your detached garage or shed.

**Personal property** for your personal belongings that make your house a home.

**Loss of use** for additional living expenses when a covered loss forces you to temporarily relocate.

**Personal liability** if you accidentally cause someone bodily injury or property damage.

**Medical payments** if a guest is injured on your property.

## What does auto insurance cover?

No matter what’s down the road, we’ve got you covered.

**Bodily injury liability** Covers costs related to injuries or death of another person because of an accident for which you are legally liable.

**Property damage liability** Covers costs related to damage to other people’s property because of an accident for which you are legally liable.

**Collision coverage** Pays to repair or replace your own vehicle after a collision, regardless of fault.

**Uninsured/underinsured motorist coverage** Covers bodily injury to your or your passengers if you’re injured in an accident caused by a driver who has no insurance or not enough insurance.

**Personal injury protection (PIP) / Medical Payments** These coverages can help pay for medical expenses, lost wages, and other related costs for you and your passengers after a car accident.

**Comprehensive coverage** Covers damage to your car from non-collision events like theft, vandalism, fire, hail, or hitting an animal.

## 2 states and counting

We currently offer home and auto bundling to Kin customers in the following states — with more on the way.

- [Texas](https://www.kin.com/bundling/texas/)
- [Florida](https://www.kin.com/bundling/florida/)

## Common questions about bundling home & auto insurance

### What is a home and auto insurance bundle?

A home and auto insurance bundle is an agreement where an individual purchases both their homeowners and car insurance policies from the same provider. This arrangement is a common way to earn discounted coverage, often called a multi-policy discount.

### How do you bundle home and auto insurance?

To bundle home and auto insurance, contact an insurance provider to request a quote for both policies at the same time.

### What types of insurance can be bundled together?

While [home](https://www.kin.com/home-insurance/) and [auto](https://www.kin.com/auto-insurance/) is the most popular combination, many other types of insurance can be grouped together to [earn a discount](https://www.kin.com/blog/home-insurance-discounts/).

### How much can I save by bundling home and auto insurance?

Combining home and auto insurance often leads to one of the largest available discounts, typically saving homeowners between 5% and 15% on their total premiums.

### Does bundling home and auto insurance affect coverage?

Bundling home and auto insurance does not typically reduce the quality of your protection. However, bundling can simplify your coverage.

### Can I switch insurance companies to bundle home and auto?

You can switch insurance companies to bundle your policies at any time.

### Who qualifies for home and auto insurance bundling discounts?

Most homeowners and renters who also own a vehicle qualify for a bundling (also known as a multi-policy) discount.