Car and Renters Insurance Bundle
Combine forces to unlock savings and convenience.

Combine forces to unlock savings and convenience.
When you have more than one insurance policy through the same insurer, it’s known as “bundling.” This can be a convenient and affordable way to protect the things you care about.
Let’s take a look at the benefits of insurance bundles, what to consider when researching available bundles, and some other frequently asked questions.
An “insurance bundle” is simply a package of policies that you buy from the same insurance provider.
The concept behind insurance bundling is similar to buying in bulk: By getting more products from the same company, you typically enjoy a lower overall cost. This practice is known as a “multi-policy discount” or “bundling discount.”
For instance, a common insurance bundle combines renters and auto insurance. Instead of getting renters insurance from Company A and auto insurance from Company B, you purchase both from Company A.
By doing so, you not only streamline your insurance experience (one company, one point of contact), but also potentially gain substantial savings.
How bundling works varies between insurance companies. Some might require that all the policies within the bundle come into effect simultaneously, while others allow staggered start dates.
Let’s delve into the key benefits of bundling insurance policies:
Also, bundling car and renters insurance makes a lot of sense if you’re looking to fully protect your stuff.
Picture this: A thief smashes the side window of your car while it’s parked in a parking garage overnight and steals your laptop that’s in the backseat. Including comprehensive car insurance coverage on your car insurance policy will likely have your back for the property damage to your vehicle that the thief caused—but it won’t cover the valuables inside your car, like your laptop, which could be covered by renters insurance.
If you bundle your renters and car insurance policies through the same insurer, you could also file all those claims in one place.
When you’re bundling insurance policies, choosing an insurer that’s the right fit involves a few key considerations:
Lemonade offers car, renters, homeowners, pet, and life insurance. When you bundle any combination of our policies together you’ll be eligible for savings on all of those policies. (With the exception of the life insurance policy, but you’d still be eligible for a discount on your renters policy if you bundle life and renters.)
In addition to the obvious savings, you gain the convenience of accessing all your policies—and filing all claims—through a single, easy-to-use app.
Click below to get your free quote started.
Besides bundling, here are a few ways to lower your insurance premiums and earn discounts.
While you can hold policies from different companies, ‘bundling’ refers to having multiple policies from the same provider. To get the associated discounts, your policies typically need to be from the same company.
Generally, yes. Most insurance companies will let you add policies to your existing bundle, and you should still receive a discount for the additional policy. At Lemonade you can seamlessly add a new policy at any time on our app, and the bundle discount will be automatically applied to all of your active policies.
The impact on your bundle depends on your insurance company’s policies. Some might increase your insurance rates for all policies in the bundle, while others might only increase the rate of the policy with the claim.
Yes, you can usually cancel one policy without affecting the others. However, this could lead to a reduction or loss of your bundling discount.
No, the specifics of bundling — including the available discounts, the policies you can bundle, and the rules around claims and cancellations — can vary significantly between insurance companies. Always check the specific terms with your provider.
A few quick words, because we <3 our lawyers: This post is general in nature, and any statement in it doesn’t alter the terms, conditions, exclusions, or limitations of policies issued by Lemonade, which differ according to your state of residence. You’re encouraged to discuss your specific circumstances with your own professional advisors. The purpose of this post is merely to provide you with info and insights you can use to make such discussions more productive! Naturally, all comments by, or references to, third parties represent their own views, and Lemonade assumes no responsibility for them. Coverage and discounts may not be available in all states.
Please note: Lemonade articles and other editorial content are meant for educational purposes only, and should not be relied upon instead of professional legal, insurance or financial advice. The content of these educational articles does not alter the terms, conditions, exclusions, or limitations of policies issued by Lemonade, which differ according to your state of residence. While we regularly review previously published content to ensure it is accurate and up-to-date, there may be instances in which legal conditions or policy details have changed since publication. Any hypothetical examples used in Lemonade editorial content are purely expositional. Hypothetical examples do not alter or bind Lemonade to any application of your insurance policy to the particular facts and circumstances of any actual claim.