Doesn’t the word “bundle” just make you feel cozy? Being all bundled up next to a roaring fire. Rocking your little bundle of joy. And there’s another bundle that can evoke that wonderful feeling … and that’s a home and car insurance bundle. Not sure if it’s for you? Here are five things you might not know about home and car insurance bundles, so that you can determine whether or not it jibes with you.

1. You can save money.

Not to brag, but we offer savings for customers who trust us with all their things. Esurance offers a multiple-policy discount — in states where we offer both car and home insurance. You can check out whether your state is part of the fun here.

2. Less. Paperwork.

We all know what a hassle it is to fill out multiple forms, set up multiple accounts, and make sure that you have all your bills paid when needed. Going with one insurer lets you simplify your life — making insurance surprisingly painless. It means having just one online account and knowing that one single company is at your beck and call.

3. In some circumstances, you’ll only have to pay one deductible.

What feels more painful than paying a deductible when something goes awry? Paying 2 deductibles. And yep, there absolutely can be incidents where both your car and home are involved in an incident. Like your teen accidentally hitting the gas pedal instead of the brake and cratering your garage door. Or, a freak storm riddling both your house and car with hail damage. If your insurance is bundled, then voila … you’re only paying the out-of-pocket deductible once before insurance kicks in.

4. You can keep the flexibility you need.

We get it: Your needs can change. Maybe you used to travel for work all the time so you added in rental car coverage, and now you’re sticking closer to home. Or maybe you were a renter, and now you’re a proud homeowner who needs an extra bump of coverage. Even with a home and car insurance bundle, you can make changes to your policy, subject to terms and conditions. But remember, if you decide to drop one part of the bundle, the savings and simplicity may go with it. So be sure to talk carefully about any changes with your insurer.

5. But … make sure bundles have quality coverage.

There’s always a “but” isn’t there? But this one is just a cautionary tale that you should be investigating anyway. And that’s realizing that not all companies’ bundles are created equal. For example, some might provide top-notch automobile coverage, but their home coverage is more sparse. That could leave you in the financial lurch after a claim.

At Esurance, quality coverage means quantity savings for both home and auto. For a bundled quote, give us a call today at 1-844-822-0488 … and find out how we’re making insurance surprisingly painless.

Car insurance 101 | Homeowners 101

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about Cathie

Cathie Ericson writes about personal finance, real estate, health, lifestyle, and business topics. When she's not writing she loves to read, hike, and run. Find her @CathieEricson.