Home and auto insurance almost seem inseparable. They go hand in hand and they should be purchased together. There are too many advantages of having your auto and home insurance with the same company. These two insurance purchases are the backbone of your property and casualty insurance portfolio and so it behooves you to pursue the market place for the right insurance company. Everyone has a preference on how they want to do business. There are a lot of folks that like to shop for insurance online but want an agent. The online shopping is convenient at the beginning but these folks want a servicing agent at the end of the process. There are those folks that want to eliminate the agent altogether and are perfectly satisfied with doing business online or over the telephone with a customer service representative. These philosophies need to be ironed out before you shop for a new carrier.

The multiple policy discounts is the main reason that you shop for both auto and home insurance with one company. There are other factors involved with having the two with one company. The insurance company gives the discount because it creates retention and retention means profitability. Insurance companies usually begin to profit from a policy holder in and around the sixth or seventh year. They view the multi-policy customer more favorably during the underwriting process at purchase. They will often accept an auto accident or two if the two policies are combined. You may also find that it is much easier to purchase a personal umbrella liability policy if both auto and home insurance are with the same company. There are specific limits required on both auto and home insurance in order to purchase the umbrella policy.

The next time you purchase auto or home insurance make sure that you combine the two in the quoting process. You may leave your self vulnerable for cancellation if you have a mono-line auto policy with one company and a mono-line home policy with another.

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