When most people search for the best home and car insurance bundle, they are looking for the same thing: a way to pay less by combining their home and auto coverage. The standard assumption is that this means placing both policies with the same carrier. But that is not the only way it works — and for many homeowners, it is not even the best way.
At Nsure, a number of our home insurance carriers offer a discount for having your auto policy placed through the same agency, even when the home and auto are written with different carriers. You do not need to bundle with a single insurer to access a bundling-style saving. You need both policies placed through us as your agency.
This article explains how the agency discount works, which home carriers in our network offer it, and how to get the best insurance rates for home and auto by taking advantage of this model.
What is the agency discount and how does it work?
Traditional bundling means one carrier writes both your home policy and your auto policy, and rewards you for the loyalty with a multi-policy discount. That model has a clear limitation: the carrier that is best for your home may not be the most competitive for your auto, or may not even write auto insurance in your state.
The agency discount model works differently. Several of our home carriers offer a discount on your home insurance premium when your auto policy is also placed through Nsure — regardless of which auto carrier writes it. The home carrier recognizes that you have both lines of coverage managed through a single agency, and applies a discount that functions the same way a bundle discount would, without requiring the same carrier across both policies.
This matters for two reasons:
- First, it frees you to choose the most competitive home carrier for your property and the most competitive auto carrier for your vehicle and driving record — without sacrificing the saving that bundling is supposed to deliver.
- Second, it reflects how Nsure’s network actually works: we are loyal to your outcome, not to any single carrier’s product range.
Why this model suits more homeowners than traditional bundling
A carrier that writes both home and auto competitively in your state is not always easy to find. Coastal homeowners often find that the carriers best positioned to write their home insurance — those with deep expertise in wind, storm, and flood exposure — are not the same carriers with the most competitive auto rates. Rural homeowners may find that regional carriers with the strongest home coverage in their area simply do not write auto.
The agency discount removes that trade-off. You compare home insurance options across our full network and choose the strongest fit for your property. You compare auto options separately and choose the strongest fit for your vehicle. Both policies are managed through Nsure. Your home carrier applies the multi-policy discount because both lines are with the agency.
For a home and auto insurance bundle comparison that actually reflects competitive pricing on both sides, this approach is worth understanding before you assume traditional carrier bundling is your only route to savings.
Home carriers in our network that offer the agency discount – our best insurance companies for home and auto
Looking for the best home and car insurance bundle? The carriers below are confirmed partners in our network offering both home and auto coverage and participating in the agency discount model. Geographic availability is noted for each, since carrier eligibility varies by state.
1. Liberty Mutual
Available in 46 states (not available in Hawaii, Delaware, Rhode Island, or Washington D.C.). Liberty Mutual is one of the largest home and auto insurers in the country, offering coverage for homeowners, renters, condo owners, and landlords alongside auto insurance for traditional vehicles, motorcycles, classic cars, RVs, and off-road vehicles. Boat and watercraft coverage is also available. Liberty Mutual’s policies are sold exclusively through independent agents like Nsure, which means the agency relationship is built into how their products reach customers.
2. Stillwater
Available in all 50 states. Stillwater offers home and auto as its primary nationwide products, with no secondary status for either line. Home coverage includes homeowners, renters, condo, and landlord policies. Umbrella coverage is also available for households that want an additional liability layer above both home and auto limits. The consistency of Stillwater’s offering across the country makes it a practical option for homeowners who want a straightforward agency discount arrangement.
3. Foremost
Available in all 50 states. Foremost, part of the Farmers Insurance Group, covers non-standard home types alongside auto — which makes it the relevant starting point for homeowners with mobile homes, vacant properties, or seasonal residences. Standard homeowners coverage is also available. Auto coverage extends to collectible cars and commercial autos alongside traditional vehicles. If your property is a non-standard home type, Foremost may be one of the few carriers in our network that can write it — making the agency discount particularly valuable here, since the home coverage options that exist for your property type are already narrowed.
4. Mercury Insurance
Available in 11 states: Arizona, California, Florida, Georgia, Illinois, New Jersey, Nevada, New York, Oklahoma, Texas, and Virginia. Mercury offers both home and auto at competitive prices within its operating states, with home coverage available for homeowners, renters, and condo owners. Auto options include liability-only and full coverage, both with uninsured/underinsured motorist options. If you are in one of Mercury’s 11 states, the agency discount through Mercury is worth comparing. If you are not, Mercury is not available to you.
5. Grange Insurance
Available in 13 states: Georgia, Illinois, Indiana, Iowa, Kentucky, Michigan, Minnesota, Ohio, Pennsylvania, South Carolina, Tennessee, Virginia, and Wisconsin. Founded in 1935, Grange has significant regional depth in the Midwest and Southeast markets it serves. Home coverage includes homeowners, renters, and condo policies. Auto coverage offers flexible options suited to a range of driving profiles. For homeowners in those 13 states, Grange’s history and local market knowledge make it a regional option worth including in any agency discount comparison.
6. The Hartford
Available nationally. The Hartford has been operating since 1810 and offers both home and auto alongside business and employee benefits products. It is one of the most established names in the insurance industry, known for financial strength and service. For homeowners who place a premium on carrier stability and track record alongside the agency discount structure, The Hartford is worth including in the comparison.
How to get the best insurance rates for home and auto through this model
Getting the most out of the agency discount requires approaching your home and auto coverage as a coordinated decision — even though the two policies may be with different carriers.
- Start with your home policy. Your home represents a larger and more complex risk than your vehicle in most cases. The carrier that best matches your property’s location, construction, age, and risk profile should drive the home side of the comparison. Finding a home insurance company you can trust covers the indicators of financial strength and reliability worth checking alongside price. For a closer look at what different home policies actually include, understanding the fine print in your home insurance policy explains what to look for in the detail.
- Then compare auto separately. With your home policy placed through Nsure, your auto quote can be run across our full auto carrier network. What factors impact your car insurance premium explains the main variables that drive auto pricing, and how to determine how much auto insurance coverage you need helps you set the right limits before you compare.
- Confirm the agency discount applies. Not every carrier applies the discount in the same way or at the same amount. When you compare home quotes through Nsure, confirm whether the agency discount is included in the pricing and how it is reflected in the premium.
- Check coverage levels on both sides. The best insurance rates for home and auto are not always the lowest premiums — they are the premiums that deliver the right coverage for your specific property and vehicle. How to avoid being overcharged for your auto insurance covers what to watch for when reviewing auto quotes. For a clear view of what your policy covers at a glance, decoding your insurance declaration page explains each section.
Key takeaways
- You do not need the same carrier for home and auto to get a bundling-style discount. Several of our home carriers offer a discount when your auto is also placed through Nsure as your agency — giving you the saving without the constraint of a single carrier writing both policies.
- This model lets you optimize home and auto independently. The best carrier for your property and the best carrier for your vehicle are not always the same company. The agency discount lets you choose each on its own merits without losing the multi-policy saving.
- Geographic availability limits your real options. Liberty Mutual covers 46 states, Mercury covers 11, Grange covers 13. Confirm which carriers operate in your state before spending time on a comparison.
- Foremost is the relevant option for non-standard properties. Mobile homes, vacant properties, and seasonal homes are covered by Foremost where most standard carriers cannot write them. The agency discount applies there too.
- Coverage levels matter as much as the discount. The goal is the right protection on both policies at a competitive combined price — not the lowest premium that leaves gaps on either side.
At Nsure, we help you compare home insurance options across our full carrier network and auto options separately, so you can find the best combination for your specific property and vehicle — and apply the agency discount where it is available. Start with your address and see what is available for your situation.
