If your home and your cars are insured by different companies, you're probably leaving money on the table. Carriers reward you for bringing them the whole household, usually 10 to 25 percent off, and that's on top of any savings from picking the right carrier in the first place.
Why the captive agent can't always get you there
Here's the thing most people don't know. A captive agent, a State Farm or Farmers agent, can mostly only write you their own company's product. If State Farm's bundle is expensive this year, that's what you're offered.
Brad is independent. He shops 30+ carriers at once, prices your home and your autos separately and bundled, and hands you whichever combination wins. Sometimes the best auto carrier also has the best home price and the bundle lands clean. Sometimes the cheapest auto carrier is terrible on homes, so he splits them across two companies and you still save more than bundling with one.
You don't know which situation you're in until somebody prices all of it. That somebody is Brad, and it takes one form.
What shopping actually saved people
A client's premium on a $1.5 million home hit $16,940 at renewal. Brad shot it to 15 carriers and came back at $8,400. Same coverage, same deductibles, everything. That's the exception, not the rule, but smaller versions of the same story happen every week. Two more clients saved a combined $12,700 just by letting him re-shop their renewals. You can read how that works in the full case study.
When bundling isn't the move
Brad won't bundle you into a worse deal just because it's tidy. If the numbers say your auto is cheapest at one carrier and your home is cheapest at another, he'll show you both arrangements side by side and you pick. The point is the lowest total, not a neat paperwork stack.
What to have ready
Not much. To price a bundle, Brad needs your current home and auto carriers and what you're paying now, plus the basics on your drivers and vehicles. The quote form walks you through it, and missing details get filled in by his team over a quick call.