Independent agency in Peoria, Arizona. Strategic Insurance Agency Alliance member.
Independent agency in Peoria, Arizona. Strategic Insurance Agency Alliance member.
Bundling is the largest discount most households will ever be offered, and it is also the one most often assumed rather than checked. We quote the house and the cars together and separately, so you can see the difference as a number.
At a glance
Bundling at a glance
What qualifies
Home with auto, condo with auto, renters with auto, and more.
What you gain
One agent, one renewal conversation, one call when something happens.
Often overlooked
A single deductible on some carriers when one event damages the house and a car.
The catch
A bundle is only cheaper if that carrier is competitive on both lines. Check it.
How we quote it
Both ways, across more than one company, with both totals side by side.
5.0 on Google and Facebook
A growing list of carriers
SIAA member agency
A local agent who picks up
Start here
A bundle is simply two or more policies with the same carrier. In exchange, the carrier discounts both. It costs them less to keep a household that has two policies than one, and they price that in.
The discount is usually the largest single line item available on either policy, and it commonly applies to both sides rather than just one. It also usually survives adding a third policy: the boat, the RV, the umbrella.
Here is the honest complication. Bundling is a discount from one carrier's rates, not a guarantee of the best price. A carrier that is excellent on homes and uncompetitive on your particular cars can produce a bundled price that is worse than two well-chosen separate policies. That happens often enough to be worth checking every time.
Which is exactly what an independent agency is for. We run it both ways across several carriers and show you the two totals.
This is a real comparison with a real answer, and the answer is not always the bundle.
Separate carriers
Each policy can go to whichever carrier is strongest on that line.
Sometimes genuinely cheaper, particularly with an unusual home or a difficult driving record.
Two renewals, two sets of paperwork, and two different people to call.
Coverage gaps are more likely, because nobody is looking at the whole household.
Bundled with one carrier
Multi-policy discount typically applied to both policies.
One renewal conversation and one agent who has read both contracts.
Some carriers apply a single deductible when one event hits the house and a car.
Usually the better answer, which is why we check it rather than assume it.
Being independent is what makes an honest bundle quote possible. We can price your home and your cars with several companies, together and apart, and let the numbers decide instead of a sales target.
A captive agent has one bundle to offer and every incentive to tell you it is the best available. We have many carriers and no reason to prefer any of them, so the bundle either wins on the numbers or it does not.
How the comparison runs
Quote the home across every carrier that will write it
Quote the vehicles across every carrier that will write them
Quote the bundle at each carrier that can do both
Compare the best bundled total against the best split total, coverage held equal
Recommend whichever wins, and say plainly when it is close
Hanna K. describes exactly this outcome in her review: a home policy with stronger protection, bundled with the auto insurance, for a package at a lower cost.
What converges
The money is the reason people ask about bundling. The administration is the reason people keep it. One renewal date instead of two, one agent who knows both files, and one phone call when a monsoon takes out the roof and the car parked under it.
That last scenario is worth naming. When a single event damages the house and a vehicle, some carriers apply one deductible across both claims rather than two. It is not universal and it is not automatic, so it is a question to ask rather than a feature to assume.
The other quiet benefit is that gaps stop appearing. Coverage falls between two policies precisely when two different agencies each think the other one has it.
Bundling is two or more policies with one carrier. The discount usually applies to both, and the third policy usually keeps it.
In their words
5.0 stars across Google and Facebook
“
I had a great experience with Shield of Faith Insurance! Mena took the time to understand our family's needs and explained each part of the coverage clearly. He helped us set up a home insurance policy with stronger protection and bundled it with our auto insurance for a package at a lower cost. What stood out most was his honesty and patience, he focused only on what truly benefited us, making the whole process simple and stress-free. We now have better coverage and peace of mind thanks to Mena. Highly recommend!
HK
Hanna K.
Google and Facebook
Excellent service. Saved me roughly $600.00 per year. Thanks Mena.
azsunnin · Google
Great experience with this insurance agent! He helped me find a good price for my car insurance and made the whole process easy and stress-free. Very helpful, honest, and professional. Highly recommend!
Ramez Y. · Google
Shield of Faith Insurance made getting renters insurance simple and affordable, after talking to a few other brokers, they were the ones who helped me get the best coverage with no stress!
Ahmad F. · Google and Facebook
I had a really good experience working with Shield of Faith Insurance. I needed new rental insurance as I was moving apartments. I got sent details on the policy next day and all I had to do was sign the forms. I ended up with a really good deal and saved about 20% compared to my old policy. I reached out to him again about auto insurance as well. I have had Geico for over 5 years and my premiums had only gotten more expensive. He somehow ended up getting me more coverage for half the price I was paying before. The entire process was easy and Mena was very responsive to email and text. Would highly encourage you to take a look and see what type of deals he can make for your insurance policies.
David G. · Google
Every review above is quoted in full from Google or Facebook. Read all of them.
How much can I save by bundling home and auto?
The discount varies by carrier, by state and by your specific policies, so we do not publish a percentage. It is consistently the largest single discount available on either policy. The only figure worth acting on is the one from a real quote on your own home and vehicles.
Is bundling always cheaper?
No, and any agent who says otherwise is selling rather than advising. A carrier that is strong on homes may be uncompetitive on your particular vehicles. That is why we quote it both ways and compare the totals with coverage held equal.
Can I bundle renters or condo insurance with my auto policy?
Yes. Renters with auto and condo with auto both qualify for multi-policy discounts at most carriers, and the discount on the auto side often covers a good part of the renters premium.
What happens to my deductibles if I bundle?
Each policy keeps its own deductible in the normal course. Some carriers offer a single-deductible feature where one event damages both the home and a vehicle, so only one deductible applies. It is not universal, so ask before assuming it.
Do I have to change carriers to bundle?
Only if your policies are currently with different carriers. We will tell you whether moving is worth it, and if the renewal dates are awkward we will tell you when to move rather than doing it mid-term for the sake of it.
Free and no obligation
At Shield of Faith Insurance, we make it easy to compare options and find affordable coverage. Whether you need auto insurance, homeowners insurance, life insurance, or specialty coverage in Peoria, AZ, we're here to help.
Contact our Peoria office today to request your free, no-obligation insurance quote and discover how we can help you protect what matters most.
Call or text anytime during the business week. Evenings and Saturdays by appointment.
What happens next
1
A real person from our office calls you back with real numbers.2
No robo-dialers and no spam calls.3
You pick the coverage, we handle the paperwork.Service area
We write bundle home and auto insurance in Arizona for households across Peoria, Glendale, Surprise and Sun City. A home and auto insurance bundle in Peoria, AZ is normally the largest discount available on either policy, but bundle insurance in Arizona is only cheaper when that one carrier is competitive on both lines, which is why we quote it both ways and shows you the two totals.
The 60 second version
Tell us what you own and how to reach you. We will do the comparing.
No robo-dialers and no spam calls. A local agent follows up personally. Sending this does not bind coverage.
Send us both declarations pages. We will quote bundled and split and show you the difference, with no pressure either way.
