Bundled insurance cost varies between providers and depends on the types of cover, sum insured, excess, location, claims history and discounts available. Combining home and car insurance with one insurer may reduce the overall premium, but it is not always cheaper than comparing separate policies. Check each policy’s cover limits, exclusions, excesses, payment fees and cancellation terms, rather than comparing the headline price alone. Request quotes from several insurers and consider speaking with a licensed insurance adviser if your circumstances are complex.