Bundling auto and home insurance with one carrier typically earns a discount of 10-25%, and the convenience of one agent and one renewal date is a real benefit on its own. But 'bundled' isn't automatically 'cheapest.'
Why Bundling Doesn't Always Win
The discount applies to the bundled price, not to some objective baseline - so a carrier with mediocre underlying rates can still come out more expensive than two separate, well-priced policies from different companies.
How to Actually Check
Compare the bundled quote against the sum of the best standalone quotes for each policy. An independent agency that isn't tied to one carrier - which is how IronHaven operates - can run that comparison without bias toward keeping everything under one roof.
If the bundled price wins, take it; the single point of contact for claims and renewals is a genuine advantage. If it doesn't, there's no rule that says your auto and home coverage need to live with the same company. North Carolina homeowners and drivers have access to a competitive market with dozens of carriers.
