Bundling home, contents, car or landlord insurance with one provider can simplify payments, but it is not always the cheapest option. Compare the combined premium, excesses, cover limits, exclusions and optional benefits with separate policies from other insurers. Check whether a discount applies, how claims on one policy could affect others, and whether each policy still suits your circumstances. Read the Product Disclosure Statement and consider speaking with the insurer or a licensed insurance professional before deciding.