Two calculators and a readiness check
Three simple tools to bring real numbers to your bundling decision and your coverage audit.
Bundle vs. separate savings
Answers whether bundling your policies with one insurer actually beats pricing each one separately, once every fee is counted.
Assumptions this uses
- Assumes both routes carry identical coverage limits and deductibles on every line
- Assumes the fees you enter are the full annual total, not a promotional first-year rate
- Assumes no mid-year change in coverage or insurer
- Assumes you're comparing quotes you actually hold, not estimates
Limitations: This does not account for how claims handling, discounts that phase in over time, or service quality differ between a single bundled insurer and several specialist insurers.
Runs entirely in your browser.
List every policy before you compare a single quote
Write down every policy you currently hold — auto, home or renters, life, umbrella, anything else — with its premium, deductible and renewal date. You cannot see an overlap or a gap by looking at one policy at a time, only by laying them side by side. This ten-minute exercise is what the coverage audit checklist on this site is built around.
Deductible vs premium scenario
Answers which deductible actually costs less over a year once you factor in how often you expect to file a claim, on any policy.
Assumptions this uses
- Assumes the premium difference between the two options is the only variable that changes
- Assumes both options carry identical coverage limits and add-ons
- Assumes claims history does not change your future eligibility or rate beyond what you've already entered
- Assumes the number of claims you enter is an estimate, not a guarantee
Limitations: This does not account for how a claim might raise your premium at renewal, or for coverage differences beyond the deductible.
Runs entirely in your browser.
The Whole-Household Insurance Audit Checklist
A worksheet to lay every policy you hold side by side and spot the overlaps, gaps and bundle savings.
Get the free guide →Coverage audit readiness checklist
Answers whether you actually have what you need to run a proper whole-household coverage audit today.
Assumptions this uses
- Assumes you're checking readiness before a renewal or a bundling decision, not after a claim
- Assumes each item reflects your honest current status, not an aspiration
- Assumes this checklist covers common readiness gaps, not every possible one
Limitations: This is a self-check, not a guarantee that any quote or audit you complete afterward will be accurate or complete.
Runs entirely in your browser.
Partner link — we may be paid a fee at no cost to you. How we make money.
Compare bundled and separate quotes on one spec
Have your current coverage list to hand so any comparison is built from identical facts across every line you're insuring.
See comparison options →