For many homeowners on Long Island, managing the rising costs of living—especially insurance—has become a top priority. Whether you live in Suffolk County or Nassau County, New York, finding ways to reduce your homeowners insurance premium without sacrificing coverage is invaluable. One of the most effective strategies is bundling your home and auto insurance policies. As a local independent insurance agency, Newbrook Insurance Agency helps Long Islanders take advantage of meaningful discounts that come from combining coverage under the same insurer.

Here’s how bundling works—and why it may be one of the smartest financial moves you can make this year.

What Does It Mean to Bundle Home and Auto Insurance?

Bundling simply means purchasing multiple insurance policies—most commonly homeowners and auto—from the same carrier. Insurance companies reward you for consolidating your business by offering multi-policy or “bundling” discounts. These savings can significantly lower your total insurance cost while keeping your coverage seamless and easy to manage.

1. Bundling Can Reduce Your Premiums by 20% or More

One of the biggest advantages of bundling is cost savings. Many insurers offer discounts of 10%–25% when homeowners insurance and auto insurance policies are combined. On Long Island, where premiums tend to be higher due to weather risks, coastal exposure, and population density, these discounts can translate into hundreds of dollars saved each year.

As an independent agency, Newbrook Insurance Agency compares bundling discounts across multiple carriers to find the best value for you—not just one company’s offer.

2. A Single Deductible May Apply for Certain Claims

In some cases—such as a fallen tree damaging both your home and vehicle—your insurer may apply a single deductible when policies are bundled together. This can reduce your out-of-pocket costs during stressful claim situations.

3. Bundling Simplifies Your Insurance Life

Managing a single renewal date, a single billing cycle, and one point of contact can dramatically simplify your insurance experience. This is especially beneficial for busy families in Suffolk County and Nassau County who want convenience without sacrificing protection.

By working with a local independent insurance agency, you get personalized guidance from someone who understands Long Island’s unique risk landscape—something online insurers cannot truly replicate.

4. Bundling Helps Build a Stronger Relationship With Your Carrier

Insurance companies value long-term clients who trust them with multiple policies. When you bundle, you’re often rewarded with additional perks, such as:

• Priority customer support

• Wider eligibility for special programs

• Better likelihood of retaining favorable pricing over time

This loyalty can pay off—literally—especially when insurers reevaluate premiums during market shifts.

5. You Still Have the Power to Shop Around

One common misconception is that bundling locks you into a single company. With Newbrook Insurance Agency, that’s not the case.
Because we are a local independent insurance agency, we shop multiple top-rated carriers for you every year. If a better bundling option becomes available, we’ll let you know—ensuring that your homeowners insurance and auto coverage stay competitively priced.

When Bundling Makes the Most Sense

Bundling is especially beneficial if:

• Your homeowners insurance premiums have increased

• You’re moving to or purchasing a home on Long Island

• You want to streamline your insurance payments

• You value personalized service from a knowledgeable local team

Long Island homeowners—especially in coastal areas of Suffolk County and Nassau County, New York—often face higher premiums due to wind, flood, and property-value considerations. Bundling helps offset these increased costs while keeping coverage strong and stable.

Final Thoughts: Is Bundling Right for You?

Bundling home and auto insurance is one of the easiest ways to save money in today’s insurance market. With the support of Newbrook Insurance Agency, you gain access to competitive pricing, personalized service, and deep local expertise—helping you maximize savings without compromising coverage.

If you’d like a personalized bundling quote or want to compare options from multiple carriers, our team is here to help. Contact Newbrook Insurance Agency today to find out how much you can save by bundling your homeowners insurance and auto insurance on Long Island.