Bundling renters with auto
When a multi-policy discount helps and when it doesn't.
Many insurers discount auto and renters policies purchased together. Because renters premiums are small, the bundle discount on auto can sometimes exceed the renters premium itself.
Bundling isn't automatically cheaper. Compare the bundled total with the best standalone auto price plus a separate renters policy.
A single insurer can simplify claims when one event damages both your car and belongings, such as a garage fire.
Mention your current auto situation on your request so bundle options can be considered.
Coverage lines on a renters quote
| Coverage | What it pays for | Typical choice |
|---|---|---|
| Belongings (personal property) | Your furniture, clothes, electronics, and gear after a covered loss | Match your inventory total; prefer replacement cost |
| Liability | Damages and defense if you injure someone or damage their property | $300,000 is a popular choice |
| Additional living expenses | Hotel, meals, and extra costs while your rental is repaired | Shown as a dollar amount or percentage |
| Guest medical | Small medical bills for visitors, no fault needed | Usually $1,000–$5,000 |
| Optional add-ons | Water/sewer backup, scheduled valuables, identity restoration | Compare across quotes |
Commonly covered causes of loss
- Fire, smoke, and lightning
- Wind and hail
- Theft and burglary
- Vandalism
- Burst or overflowing plumbing and appliances
- Frozen pipes
- Ice, snow, and sleet weight
- Explosion
- Vehicle or aircraft impact
- Falling objects
Commonly not covered
- Flooding
- Earthquakes
- Pest infestations
- Mold from long-term leaks
- Damage your pet does to the rental
- The building structure
More guides
- How to compare renters quotes side by side
- Replacement cost vs. actual cash value
- Renters home inventory checklist
- Renters insurance for students
- Pets and renters liability
- Moving with renters insurance
- Water damage and sewer backup for renters
- Renters insurance discounts to ask about
- First apartment insurance checklist