Bundling home, contents, car or landlord policies with one insurer may simplify renewals and could attract a multi-policy discount, but savings are not guaranteed. Compare the total premiums, excesses, limits, exclusions and optional benefits with separate policies from other insurers, rather than focusing only on the advertised discount. Check whether one insurer provides suitable cover for each risk and how claims could affect your policies at renewal. Review the options and policy wording each year, and speak with the insurer or a licensed insurance adviser if your circumstances are complex.