Best Home and Auto Insurance Bundle in New York

Q: Which company has the best bundle in New York for homeowners who want more coverage?

Chubb is the top choice for New York homeowners who prioritize coverage quality over price. Chubb earns the highest coverage and customer satisfaction scores in MoneyGeek's New York analysis and offers features like extended replacement cost and risk consulting that are valuable for high-value NYC metro and Long Island properties. Its annual bundled premium is $4,776 with a 14% discount.

State Farm is New York's top home and auto insurance bundle provider with a MoneyGeek score of 4.7 out of 5. Its rates are $3,707 annually, offering an 18% bundle discount.

Find out if you're overpaying for home and auto insurance.

Written by Mark Fitzpatrick

Updated: September 2, 2026

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Key Takeaways

State Farm is the best home and auto bundle insurer in New York with a MoneyGeek score of 4.73 out of 5 and the lowest annual bundled rate of $3,707, the most affordable option among all providers analyzed.

Allstate offers the highest bundle discount in New York at 19%, producing annual savings of $1,008, the largest dollar savings of any provider in this analysis.

A bigger discount does not guarantee the lowest total bill: Allstate's 19% discount still results in a $4,215 annual bundle premium, $508 more per year than State Farm's 18% discount, which offers the lowest total cost at $3,707.

Best Home and Auto Insurance Bundle in New York

State Farm earns a MoneyGeek score of 4.73 out of 5. It offers the lowest annual bundled rate in New York at $3,707, ranking it the top home and auto bundle insurer in the state. I analyzed 950 quotes across 19 New York ZIP codes. The rankings weigh affordability, customer satisfaction and coverage quality.

Allstate offers the highest bundle discount at 19%, the largest dollar savings among insurers analyzed at $1,008 per year. Its total bundled premium of $4,215 still runs higher than State Farm's $3,707. Bundling home and auto can lower your overall insurance costs. My home and auto insurance bundling guide breaks down how the math works across insurers.


State Farm	4.73	$3,707	18%
Chubb	4.65	$4,776	14%
Allstate	4.58	$4,215	19%
Travelers	4.56	$4,282	12%

To learn more about how I rank the top home and auto insurance bundles, see my methodology.

Top 3 Home and Auto Bundle Companies in New York

State Farm, Chubb, and Allstate are the top three home and auto bundle providers in New York, based on my analysis of 950 quotes across 19 ZIP codes. State Farm leads on price with the lowest annual bundled rate at $3,707. Allstate offers the biggest bundle discount at 19%, saving policyholders $1,008 per year.

Chubb performs well for premium coverage quality and customer satisfaction. It's the top pick for high-value homes in the NYC metro and coastal Long Island. New York's coastal hurricane and nor'easter exposure, high NYC metro property values, Long Island storm surge risk, and regulated insurance environment all shape which providers rank well. Insurers that actively write policies across the state's diverse risk zones tend to rank higher.

State Farm

MoneyGeek Rating

4.7/ 5

5/5Affordability

3.9/5Customer Experience

3.1/5Coverage

Annual Bundle Premium
$3,707
Monthly Bundle Premium
$309
Bundle Savings
18%

pros
- Lowest annual bundled premium in New York at $3,707, the most affordable option among all analyzed providers
- Strong MoneyGeek score of 4.73 out of 5, driven by top-tier affordability in the New York market
- Actively writing policies across New York's diverse risk zones including coastal and NYC metro areas
cons
- Bundle discount of 18% is not the highest available, as Allstate offers 19% in New York
- Limited premium coverage features compared to Chubb for high-value NYC metro homes
- Customers seeking the more flexible coverage add-ons may find other providers more flexible
State Farm has a MoneyGeek score of 4.73 out of 5 in New York, powered primarily by its affordability advantage. With an annual bundled premium of $3,707 and an 18% bundle discount saving policyholders $800 per year, State Farm offers the lowest total cost of any provider in my New York analysis. That cost advantage is in a state where NYC metro property values push home premiums well above national averages.

State Farm's broad statewide availability is a key differentiator for New York homeowners. The company actively writes policies across the state's varied risk zones, including Long Island coastal communities and the NYC metro, where some insurers have pulled back or restricted coverage due to hurricane and nor'easter exposure. State Farm's AM Best A++ financial strength rating provides further confidence in claims-paying ability.

Chubb

MoneyGeek Rating

4.7/ 5

2.8/5Affordability

4.2/5Customer Experience

3.5/5Coverage

Annual Bundle Premium
$4,776
Monthly Bundle Premium
$398
Bundle Savings
14%

pros
- Top-tier coverage quality and customer satisfaction scores, ideal for high-value NYC metro and Long Island homes
- MoneyGeek score of 4.65 out of 5, driven by outstanding coverage breadth and claims handling
- AM Best A++ financial strength rating provides confidence for large claims in New York's coastal risk zones
cons
- Highest annual bundled premium at $4,776, which is $1,069 more per year than State Farm
- Bundle discount of 14% is the second-lowest among analyzed New York providers
- Best suited for high-value homes; may not offer the best value for standard-coverage buyers
Chubb holds a MoneyGeek score of 4.65 out of 5 in New York. Its highest marks come from coverage quality and customer satisfaction. Those categories matter most for New York homeowners with high-value properties in the NYC metro or coastal Long Island, where rebuilding costs run well above national averages. Chubb's annual bundled premium is $4,776, with a 14% bundle discount, saving $747 per year.

For New York policyholders who own higher-value homes, Chubb's extended replacement cost coverage and risk management services offer protection that standard-market carriers often can't match. Chubb's claims handling reputation and AM Best A++ rating make it a fit for policyholders who prioritize coverage depth over premium cost.

Allstate

MoneyGeek Rating

4.6/ 5

3.7/5Affordability

3.5/5Customer Experience

3.8/5Coverage

Annual Bundle Premium
$4,215
Monthly Bundle Premium
$351
Bundle Savings
19%

pros
- Highest bundle discount in New York at 19%, producing the largest dollar savings of $1,008 per year
- MoneyGeek score of 4.58 out of 5 with strong coverage quality scores for New York policyholders
- Broad availability across New York including NYC metro, Long Island, and upstate regions
cons
- Annual bundled premium of $4,215 is $508 more per year than State Farm despite a higher discount percentage
- Customers focused purely on lowest total cost will find better value with State Farm
- Bundle discount percentage can be misleading if the undiscounted base rate is already elevated
Allstate offers the highest bundle discount in the state at 19%, saving policyholders $1,008 per year, the largest dollar savings of any provider in this analysis. Allstate's annual bundled premium is $4,215. Allstate earns a MoneyGeek score of 4.58 out of 5 in New York.

The company's Drivewise telematics program can layer additional auto savings on top of the bundle discount, and Allstate's home policies include optional features relevant to New York's coastal and storm-exposed communities. Allstate writes policies broadly across New York, including areas where some competitors have restricted availability.

Cheapest Home and Auto Bundle in New York


State Farm	$3,707	$800
Allstate	$4,215	$1,008
Travelers	$4,282	$596
Chubb	$4,776	$747

Rates are for a 40-year-old with good credit and a clean driving record with $250,000 dwelling coverage and 50/100 auto coverage with a $1,000 deductible.

Companies Offering the Biggest Bundle Discount in New York

Allstate has the highest bundle discount in New York at 19%. It also produces the largest dollar savings of $1,008 per year. Allstate's total bundled premium of $4,215 still runs higher than State Farm's $3,707, which carries an 18% discount. Discount size and actual cost are two different things. A higher percentage applied to a larger base rate can leave you paying more overall than a slightly lower discount applied to a more competitive starting price.


Allstate	19%	$1,008	$4,215
State Farm	18%	$800	$3,707
Chubb	14%	$747	$4,776
Travelers	12%	$596	$4,282

Rates are for a 40-year-old with good credit and a clean driving record with $250,000 dwelling coverage and 50/100 auto coverage with a $1,000 deductible.

FINDING HOME AND AUTO INSURANCE BUNDLE IN NEW YORK

New York's coastal communities, Long Island, the Rockaway Peninsula, and areas affected by Hurricane Sandy have insurer restrictions tied to hurricane and storm surge exposure. Some insurers have restricted or limited New York homeowners' policies in vulnerable coastal ZIP codes as a result. Flood coverage requires a separate NFIP or private flood policy and is not included in a standard home and auto bundle, which is a significant gap for many New York coastal and riverside policyholders.

New York's high property values in the NYC metro push rebuilding costs and home premiums above national averages, making bundle affordability a more pressing concern here than in most states. All providers in my analysis are actively writing policies in New York.

How to Get Cheap Home and Auto Bundle Insurance in New York

New York City metro property values push home rebuilding costs and premiums well above national averages, and nor'easter and hurricane exposure along Long Island and coastal communities add further elevation to home insurance costs in the state. Comparing bundled quotes from multiple providers, including State Farm, Allstate, and Chubb, is the most reliable way to identify the lowest total cost for your specific address and coverage needs.

1
Choose a Higher Deductible
Raising your home deductible from $500 to $1,000 can lower your annual home premium. The same logic applies to auto comprehensive and collision deductibles. New York's home insurance market runs above the national average, so even modest deductible increases can add up to real annual savings. Make sure you have enough cash reserves to cover the higher out-of-pocket cost before filing a claim.
2
Try a Telematics Auto Program
Telematics programs track driving behavior including speed, braking, and mileage, then adjust your auto premium based on how safely you drive. Progressive's Snapshot program and Allstate's Drivewise are both available to New York drivers. Auto savings from these programs stack on top of your existing bundle discount. Drivers who log fewer miles or drive mostly off-peak tend to see the biggest benefit.
3
Fortify Your Home Against Nor'easters, Hurricanes, and Flooding
New York's coast and Long Island carry regular nor'easter and hurricane exposure, which pushes home premiums higher in coastal communities. High property values in the NYC metro area add to the problem by driving rebuilding costs well above national norms. Storm-resistant roofing, reinforced windows and doors, and coastal wind mitigation upgrades can all qualify for home insurance discounts with providers like Allstate and State Farm. Flood insurance requires a separate NFIP or private policy and isn't part of a standard bundle. New York coastal and riverside policyholders should treat this as a coverage gap to close separately.
4
Compare Quotes When Your Policy Renews
The annual bundled premium among New York providers I analyzed ranges from $3,707 at State Farm to $4,776 at Chubb, a $1,069 difference for identical coverage. Comparing bundled quotes at renewal takes less time than most homeowners expect. Even switching between two of the top-ranked providers can lower your annual cost without giving up coverage quality.

Home and Auto Insurance Bundle in New York: FAQ

Yes. Long Island and New York's coast carry regular nor'easter and hurricane risk. NYC metro rebuilding costs run far above the national average on top of that, which pushes home premiums higher in New York than in most states. MoneyGeek's analysis found annual bundled premiums in New York ranging in cost from $3,707 to $4,776.

Yes, bundling home and auto insurance in New York is worth it for most homeowners. All four providers in MoneyGeek's analysis offer bundle discounts ranging from 12% to 19%, with dollar savings between $596 and $1,008 per year. Compare total bundled premiums, not just discount percentages. A larger discount doesn't always produce the lowest total bill.

Yes. Standard home and auto bundle policies do not include flood coverage. New York homeowners in flood-prone areas, including coastal Long Island, the Rockaway Peninsula, and riverside communities, must purchase flood insurance separately through the National Flood Insurance Program (NFIP) or a private flood insurer. This is an important gap to address given New York's storm surge and coastal flooding exposure.

The most reliable way is to get separate quotes for home and auto from the same insurer and compare the combined cost to the bundled price. The difference is your true dollar savings. In New York, MoneyGeek found bundle savings ranging from $596 (Travelers) to $1,008 (Allstate) per year. Also compare your bundled total against the cheapest bundled option available: Allstate's 19% discount still results in a $508 higher annual bill than State Farm's 18% discount.

A bundle discount is a percentage reduction applied to your combined premiums, while actual bundle savings is the dollar amount you save compared to buying each policy separately. In New York, Allstate's 19% discount produces $1,008 in annual savings, while State Farm's 18% discount saves $800. A smaller percentage applied to a lower base rate results in the lowest total bundled premium at $3,707 for State Farm. Always evaluate both figures when comparing options.

Chubb is the top choice for New York homeowners who prioritize coverage quality over price. Chubb earns the highest coverage and customer satisfaction scores in MoneyGeek's New York analysis and offers features like extended replacement cost and risk consulting that are valuable for high-value NYC metro and Long Island properties. Its annual bundled premium is $4,776 with a 14% discount.

MoneyGeek analyzed 950 quotes across 19 New York ZIP codes to build the rankings on this page. Data sources include Quadrant Information Services, AM Best, J.D. Power, and the New York Department of Financial Services. Figures are averages, and actual rates vary by ZIP code, claims history, and individual profile. To learn more, see our auto insurance methodology.

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About Mark Fitzpatrick

Mark Fitzpatrick is a licensed Property and Casualty (P&C) Insurance Producer in Connecticut and MoneyGeek's resident expert in insurance and economics. In nearly a decade covering the insurance market at LendingTree and MoneyGeek, he's analyzed hundreds of carriers and millions of rates across auto, home, renters, health and life insurance.

His work has appeared in The Washington Post, The New York Times and NPR. He draws on independent cost and consumer experience data, and no insurance company partnerships affect his recommendations.

Mark studied at Boston College and later earned a master's in economics and international relations from Johns Hopkins University. He worked in financial risk management at State Street before joining MoneyGeek. He's also a five-time “Jeopardy!” champion.

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Best Home and Auto Insurance Bundle in New York

Best Home and Auto Insurance Bundle in New York

Top 3 Home and Auto Bundle Companies in New York

State Farm

Chubb

Allstate

Cheapest Home and Auto Bundle in New York

Companies Offering the Biggest Bundle Discount in New York

How to Get Cheap Home and Auto Bundle Insurance in New York

Choose a Higher Deductible

Try a Telematics Auto Program

Fortify Your Home Against Nor'easters, Hurricanes, and Flooding

Compare Quotes When Your Policy Renews

Home and Auto Insurance Bundle in New York: FAQ

Does New York's coastal exposure and high property values affect home and auto bundle rates?

Should I bundle home and auto insurance in New York?

Does flood insurance need to be purchased separately in New York?

How do I know if my bundle discount is actually saving me money?

What's the difference between a bundle discount and actual bundle savings?

Which company has the best bundle in New York for homeowners who want more coverage?

Find Cheap Insurance by State

About Mark Fitzpatrick