If you’re paying for your home insurance and your car insurance separately — and they’re not with the same company — there’s a good chance you’re leaving money on the table.
Bundling your home and auto insurance with ERIE Insurance is one of the most straightforward ways for Kentucky families to cut their insurance bill. Most of our clients in Owensboro and the surrounding area save 15% or more when they combine their policies under one carrier. Some save considerably more, depending on their coverage.
Here’s a plain-language breakdown of how bundling works, what you can actually expect to save, and how to get started.
Bundling just means having more than one type of insurance policy with the same company. The most common combo — and the one that saves the most money — is home insurance plus auto insurance together.
When you bundle, the insurance company rewards you for giving them more of your business. They reduce the premium (the amount you pay) on one or both policies. The discount is applied automatically — there’s nothing extra you have to do once your policies are set up.
It sounds simple because it is. The tricky part is making sure you’re actually getting a good deal on both policies, not just one of them. That’s where having an independent agent matters, which we’ll cover in a minute.
ERIE Insurance offers a multi-policy discount of 15% or more when you bundle home and auto. In some cases, depending on your state, coverage selections, and other factors, the savings are closer to 20-25%.
To put that in real numbers: if your home and auto combined are costing you $3,000 per year, a 15% discount saves you $450. That’s not nothing — that’s a utility bill, a car payment, or a nice dinner out every month.
Guaranteed Replacement Cost on home insurance. If your house burns down or gets destroyed, ERIE will rebuild it to what it was — even if construction costs have gone up since you bought your policy. A lot of carriers will only pay out based on the market value of your home, which often isn’t enough to actually rebuild.
ERIE Rate Lock®. ERIE offers a program called ERIE Rate Lock® that allows you to lock in your auto insurance rate so it won’t increase just because you filed a claim or had a birthday. (Some conditions apply — ask us about this.)
Strong claims reputation. ERIE consistently ranks high in customer satisfaction for claims handling. When something happens to your home or car, that’s what actually matters.
If you’re a Kentucky homeowner with at least one vehicle, you likely qualify. The general requirements are simple:
The good news is that getting a comparison quote costs you nothing and takes about 15 minutes. As an independent agency, Elite Risk Advisors works with ERIE, Progressive, Branch, Openly, and Safeco. We can run your current coverage through multiple carriers and show you what a bundled ERIE policy would look like compared to what you have now.
If ERIE isn’t the right fit, we’ll tell you. Our job is to find you the best value, not to push you toward any one carrier.
Step 1: Gather a few basic details. You’ll want to have your current policies handy — or at least know your approximate coverage amounts and deductibles.
Step 2: Reach out to us. You can call, email, or fill out the quote form on our site. There’s no obligation and no sales pressure.
Step 3: We compare and explain. We’ll pull quotes from ERIE and potentially other carriers, then walk you through exactly what each covers and what each costs.
Step 4: You decide. If the bundle makes sense, we help you get both policies set up. If it doesn’t, we’ll tell you why and what we’d recommend instead.
Or call us at the number on our website. We’re a local agency — Amber and Brandon Dennis, based right here in Owensboro — and we’re happy to answer questions before you ever commit to anything.
Elite Risk Advisors is an independent insurance agency in Owensboro, Kentucky. We represent ERIE Insurance, Progressive, Branch, Openly, and Safeco, and we work for you — not any single carrier.
Looking for more on ERIE coverage? Visit our ERIE Insurance in Owensboro, KY page for a complete overview of what ERIE offers and why we recommend them.
Go to erieinsurance.com for company licensure and product details.