Auto and Homeowners Insurance

Homeowners and Auto Insurance

Homeowners Insurance—Homeowners Insurance protects your home/property.  Many policies protect your home from flood, earthquake, and other natural disasters.  Most insurance agents sell flood and earthquake policies separately. 
Auto Insurance—Auto Insurance protects you and your car in case of accident, damage, and/or theft.  You can choose collision, comprehensive, liability, medical payments, and a variety of other coverage options. 

What are the benefits of having auto and homeowners insurance? Why do insurance companies offer them together?

If you have homeowners insurance and auto insurance policies, both you home and automobile can be protected from one factor that you have very little control over: natural disaster.  If a hurricane hits, a flood strikes, or an earthquake crumbles the ground, claims from your homeowners and auto insurance policies can help cushion the financial blow. 

What are the benefits of having both from the same carrier?

Many insurance companies offer something called a “Multi-Policy” or “Multi-Line” Discount.  If you have two lines of insurance with one company, such as a homeowners insurance and an auto insurance policy, you may qualify for a discount. 

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