---
title: Bundled Auto & Home Insurance = Savings
description: Clayton Hanley Insurance can review all of your insurance coverages and offer bundled savings from one of our partner carriers.
---

# HOME + AUTO INSURANCE

from Clayton Hanley Insurance

We represent quality insurance carriers like these, so we'll provide you with multiple home + auto insurance rates to find the right policy for you.

[Progressive — Travelers — Nationwide — Chubb — Hagerty — Liberty Mutual — The Hartford — Foremost — National General — Openly — Selective](/insurance-companies)

(A form appears here on the HTML version of this page.)

## Bundle Your Home and Auto Insurance for Big Savings

If you have both home and auto insurance policies, you can save money by “bundling” them. That means getting them both from the same insurance company, like Clayton Hanley Insurance, independent agents proudly serving St. Louis, Missouri.

This is also commonly known as a “multipolicy discount” or “multiple line discount.” You can usually save up to 20% off policies by purchasing your home and auto insurance this way.

## Bundling Insurance Is Beneficial for You and Your Insurance Agency

Single loss deductible in the event of a claim. If your car, motorcycle, boat or RV are insured with the same company as your homeowners and damaged in the same event as your home, you may only have to pay one deductible.

For example, if a tree falls and damages both your garage and your car, the auto deductible may be waived after your home deductible is paid.

Clients find it’s easier for them to have all their insurance with one agency too because it makes paying premiums, filing claims, and getting formation easier.

If you move or add coverage, such as umbrella insurance, it’s much simpler to make sure updates are completed. It’s a win-win for everyone involved.

## You Can Often Bundle Other Types of Insurance Too

While bundling home and auto insurance is the most popular combination we see, you may be able to bundle other types of insurance as well. Depending on your policies, you may be able to combine coverage for your:

- [Motorcycle](/motorcycle-insurance)
- [RV](/rv-insurance)
- [ATV](/off-road-vehicle-insurance)
- [Boat](/boat-insurance)

Whenever you purchase a new policy with us, just ask if there are bundling discounts available. In general, buying a new policy or renewing an existing one is the perfect time to ask about bundling.

To see if bundling your home and auto insurance policies would save you money, give us a call at Clayton Hanley Insurance 314-487-2921 or message us online. We always try to find our clients the most **budget-friendly options** for the **coverage they need** when buying any type of insurance.

* * *

## Insurance Quotes

Give us some info and we'll help you find the best coverage options.

[Request a Quote](/home-auto-insurance/quote)

## Insurance Partners

[Progressive — Travelers — Nationwide — Chubb — Hagerty — Liberty Mutual — The Hartford — Foremost — National General — Openly — Selective](/insurance-companies)

## 5-Star Ratings

"Wouldn't trust anyone else"

"Best insurance brokers in St. Louis"

"10/10 recommend!"

[Read More](/reviews-testimonials)

## Connect Online

- [Facebook](https://www.facebook.com/claytonhanleyinsurance)
- [X/Twitter](https://twitter.com/claytonhanley)
- [LinkedIn](https://www.linkedin.com/company/clayton-hanley-insurance-service-inc-/)
- [YouTube](https://www.youtube.com/channel/UCyYNrSTQbAXoeYvALzG5Uiw)
- [Instagram](https://www.instagram.com/claytonhanleyins/)
- [Yelp](https://www.yelp.com/biz/clayton-hanley-insurance-saint-louis)

## Answers to Questions We Hear Every Day

Do insurance rates differ between insurance agents?

Independent agents receive the rates for similar policies. Where you will find the difference is in the policy **coverage** and **discounts** being applied.

The team at Clayton Hanley is **committed to finding every possible discount available** and informing you of coverage that you might not know are available. We feel it is important to **insure our customers like they are family** , not simply find the lowest rate to gain your business.

How do I add my teen to my auto insurance policy?

In Missouri, you should add your teenager to your auto insurance policy **as soon as they obtain their driver's license** (Some states may require you to add them to your policy when they obtain a learner’s permit). If they have a learner’s permit, it's a good idea to inform your insurance company, as some policies may already provide coverage for permitted drivers under the parent's insurance.

Be sure to [let us know](/contact) when your child starts learning to drive and we'll go over the insurance implications with you and let you know what you need to do and when.

How can I check to see if I'm getting all available discounts on my car/home insurance?

[Ask us](/quotes)! We love finding every last discount possible to **save you money on your insurance**.

Is my swimming pool covered by my home insurance policy?

An in-ground swimming pool is **usually**  **covered** by home insurance, but it's typically under the "other structures" portion of your policy. This coverage can protect against damages from events like storms or vandalism. However, limits and exclusions apply, and you might need additional liability coverage for accidents related to the pool.

If you have an in-ground pool, are in the process of adding one, or considering purchasing a home with a pool,[let us know](/contact) and we can go over the impact it has on your premiums and additional insurance-related aspects to consider.

What natural disasters are covered by my home insurance policy?

A **typical** home insurance policy in Missouri usually covers damages from several natural disasters, including **windstorms** , **tornadoes** , **hail** , and **lightning**.

However, it's important to note that most standard policies **do not cover flooding or earthquakes**. These types of coverage usually require additional policies or endorsements.

If you're not sure what your policy covers, or what to add additional coverage, [let us know](/contact) and we'll provide recommendations and rates.

Is my college student covered by my insurance?

Your college student might still be covered by your home insurance policy if they are **living in on-campus housing** and are **listed as dependents on your policy**. This generally extends personal property and liability coverage to them while they are away at school. Coverage limits might be lower for belongings kept at a secondary location like a dorm

However, if they are **living off-campus** , you might need to get a **separate renters insurance policy** for them.

If they take their car to another state for college, they are typically still covered by your auto insurance policy. Most auto insurance policies offer nationwide coverage, which means the policy extends to all states.

If you have a child currently attending college or headed off to their first year in the fall, [let us know](/contact) and we'll go over how your policy applies and what additional coverage you should consider.

**Don't see your question? [Call us or send an email](/contact)!**

## HOME + AUTO INSURANCE in St. Louis, Missouri

Clayton Hanley Insurance is a local independent insurance agency serving individuals, families, and businesses in St. Louis, Missouri.

Because we partner with quality insurance carriers, we're able to offer a range of **home + auto insurance rates in St. Louis.** Contact us today to discuss your insurance needs.

[Call or Email](/contact)

[Request Quote](/home-auto-insurance/quote)

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