Auto and Homeowners Insurance
One Insurance Review for Your Home and Vehicles
Why Review Auto and Home Policies Together?
Auto and homeowners insurance protect different parts of your life, but reviewing them together can provide a clearer view of your overall personal insurance program.
Coordinated Protection
Review liability limits, deductibles, named insureds, vehicles, drivers, property details, and optional coverages together.
Available Multi-Policy Options
Some insurance companies may offer pricing or policy advantages when eligible auto and home policies are placed together.
One Agency Relationship
Work with one agency team when reviewing policy changes, renewal information, coverage questions, and documentation.
A Coordinated Review Can Reveal More
Look Beyond Price Alone
A lower premium may not always mean better protection. Reviewing both policies together can help identify mismatched limits, outdated information, or coverage choices that no longer fit your household.
Review Liability Limits
Your auto and homeowners policies may both provide liability protection. Reviewing the limits together can help you decide whether your current protection aligns with your assets and financial exposure.
Compare Deductibles
Different deductibles may apply to your vehicles, home, wind, water, theft, or other covered losses. Choose amounts that are manageable within your household budget.
Update Household Information
New vehicles, drivers, renovations, security systems, household members, roofs, solar panels, and other changes may affect insurance needs and policy eligibility.
Are Your Policies Still the Right Fit?
Changes to Your Home or Vehicles Can Change Your Insurance Needs
Request a review when you buy a vehicle, add a driver, renovate your home, install solar panels, change occupancy, or make other meaningful household changes.
Understand the Role of Each Policy
What Each Policy Can Help Protect
Auto and homeowners insurance serve different purposes. Understanding both policies can help you make more informed coverage decisions.
On the Road
Auto Insurance
Auto insurance can help protect you financially when a covered accident, theft, vandalism, or other covered loss affects your vehicle or creates liability to others.
- Bodily injury and property damage liability
- Collision and comprehensive coverage
- Uninsured or underinsured motorist coverage
- Medical payments or personal injury protection
- Roadside assistance and rental reimbursement
At Home
Homeowners Insurance
Homeowners insurance can help protect the structure of your home, personal belongings, additional living expenses, and personal liability after an eligible covered loss.
- Dwelling and other structures
- Personal property
- Loss of use or additional living expenses
- Personal liability
- Medical payments to others
Policy Review Checklist
Information to Have Ready
Accurate information helps an insurance professional evaluate available policy options and prepare a more complete comparison.
Auto and homeowners declarations pages.
Names, dates of birth, license information, and driving history.
VINs, mileage, use, and financing information.
Address, year built, square footage, roof details, and major updates.
Mortgage, lienholder, or additional insured information.
Liability limits, deductibles, and optional coverage requests.
Additional Personal Insurance to Consider
Auto and Home May Not Address Every Exposure
These additional policies can be reviewed separately when appropriate.
Personal Umbrella Insurance
Explore additional personal liability protection above eligible underlying auto and homeowners policy limits.
Earthquake Insurance
Standard homeowners policies generally do not include earthquake coverage, so separate protection may be needed.
Flood Insurance
Flood-related losses generally require separate flood insurance rather than standard homeowners coverage.
Important Coverage Detail
Bundling Does Not Always Mean One Policy
Auto and homeowners insurance normally remain separate policies, even when they are issued by the same insurance company. Each policy has its own coverages, limits, deductibles, exclusions, effective dates, and payment terms. Review both policy documents carefully.
Auto and Home Insurance Questions
Auto and Home Insurance Frequently Asked Questions
General answers to common questions about reviewing auto and homeowners insurance together.
Two Important Policies. One Coordinated Review.
Ready to Review Your Auto and Home Insurance?
Request a quote or speak with a licensed Best Formula Insurance representative about available personal insurance options.