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Compare insurance types
Most households carry some combination of these five policy types — here's how they stack up against each other and where bundling actually connects them.
How this table is built.
- Coverage limits, not just price
- Whether it's commonly bundled with other lines
- Deductible options available
- Discounts genuinely available for the coverage
| Insurance Type | What It Covers | Typically Bundled With | Who Needs It |
|---|---|---|---|
| Auto | Liability, collision and comprehensive damage involving your vehicle | Home or renters | Every driver — required in nearly every US state |
| Home or renters | Your dwelling or belongings, plus liability at your property | Auto, umbrella | Anyone who owns or rents a home |
| Life | A payout to your beneficiaries if you die during the policy term | Rarely bundled — usually priced and sold separately | Anyone with dependents or debts that would fall to someone else |
| Health | Medical costs — separate from life or disability coverage | Rarely bundled with property or auto lines | Nearly everyone, given the cost of care without it |
| Umbrella | Extra liability above the limits on your auto and home policies | Requires an existing auto and/or home policy first | Anyone with assets, savings or future earnings worth protecting |
This table describes coverage categories generally — it can't tell you the exact price, exclusions or bundling discount of any specific insurer, since those vary by company and by state.
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