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Sep 26

When to Bundle Home and Auto Insurance in Spartanburg (And When Not To)

Bundle it … or don’t, if it makes sense.

Insurance companies love to advertise discounts when you bundle your home and auto policies. In many cases, they’re right—you can save money. But in other cases, keeping policies separate might actually be the smarter move. Let’s break down when bundling pays off in Spartanburg, South Carolina, and when it might not.

Why Bundling Works for Many Spartanburg Families

When you bundle your homeowners insurance and auto insurance with the same provider, you’re usually rewarded with a multi-policy discount. In South Carolina, this discount can range anywhere from 5% to 25% depending on the insurer.

For example:

  • Average standalone Spartanburg auto policy: $1,400/year

  • Average homeowners policy in Spartanburg: $1,200/year

  • Total without bundling: $2,600/year

With a 15% bundle discount, your cost could drop to around $2,210/year—a savings of almost $400 annually.

Other advantages:

  • One point of contact: Easier claims and customer service.

  • Fewer coverage gaps: Policies can be coordinated to avoid “surprises.”

  • Stronger loyalty discounts: The longer you stay bundled, the more perks you might unlock.

When Bundling Might Not Be the Best Choice

Bundling isn’t always the winner. Here’s when it may not make sense for Spartanburg residents:

  1. Different Risk Profiles
    If you live in an area near the Tyger River or Lawson’s Fork Creek and need special flood coverage, your best home policy may not come from the same insurer that offers you the cheapest auto rate.

  2. High Auto Premiums
    Drivers with a recent accident or SR-22 requirement may find that auto insurance premiums skyrocket with certain providers. In that case, shopping your auto policy separately could save you more than a bundle discount ever would.

  3. Unique Property Coverage Needs
    Spartanburg homeowners with older houses or specialty builds (like historic homes near Converse Heights) might need a niche insurer. If your home insurance is already specialized, your auto might not bundle well.

How to Decide in Spartanburg

Here’s a quick decision guide:

  • Bundle if:

    • You have a clean driving record.

    • Your home doesn’t need highly specialized coverage.

    • You prefer simplicity in billing and claims.

  • Keep Separate if:

    • Your home or auto policy is unusually high-risk.

    • Specialized coverage is required (flood, historic home, luxury vehicle).

    • The bundle discount doesn’t outweigh the cheaper single-policy options.

The Bottom Line

Bundling home and auto insurance in Spartanburg can save you hundreds each year—but only if the math works out. The best move? Compare quotes both ways before making the call.

At Affordable Insurance in Spartanburg, we shop multiple providers to find out whether a bundle really makes sense for you—or if splitting policies is smarter.

👉 Ready to check if bundling will save you money? We offer free quotes online… Just click here!