If you’ve had accidents, tickets, an SR-22, or a non-renewal, bundling your home + auto insurance can help you save — even when most carriers won’t offer discounts to high-risk drivers.
Many Tempe consumers don’t realize that specialty carriers do offer bundle options for:
- Multiple accidents
- At-fault collisions
- Speeding tickets
- SR-22 requirements
- Non-renewal notices
- Young/teen drivers
- DUI history (certain carriers)
- Lapses in coverage
Bundling home + auto helps stabilize pricing and provides better long-term savings for high-risk households.
Why High-Risk Drivers Pay Less When Bundling
Stronger Underwriting Approval
Some carriers accept high-risk auto only if paired with a home or renters policy.
Multi-Policy Discounts
Even high-risk drivers can qualify for bundle savings.
Improved Stability
Bundling reduces the chance of future non-renewals.
Higher Liability Protection
Most bundles allow higher limits and umbrella policy eligibility.
One Agent, One Renewal Date
Less confusion and better customer support.
Who Qualifies for a High-Risk Home + Auto Bundle?
We help clients who have:
- Multiple accidents
- Tickets or violations
- SR-22 filings
- DUI (case-by-case)
- Non-renewal due to claims
- High-frequency claims
- At-fault collisions
- Teen drivers in household
- Lapses in coverage
- Prior cancellations
You may qualify even if another carrier denied you.
Bundle Options Available in Tempe
Homeowners + Auto
Best savings for families and homeowners.
Renters + Auto
Great for high-risk drivers needing low-cost bundling.
Condo + Auto
Common for drivers living in multi-unit housing.
Home + Auto + Umbrella
Extra liability protection for households with driving exposure.
Landlord + Auto
High-risk landlords often save by bundling auto + rental dwelling.
Coverage Options for High-Risk Drivers
Auto Insurance Options
- Liability only
- Full coverage for financed vehicles
- SR-22 filings
- Accident forgiveness (case-by-case)
- Non-owner auto
Home Insurance Options
- Standard HO-3
- High-risk homeowners
- Home with claims history
- Landlord/tenant-occupied
- Condo, renters, or manufactured home
How to Get a High-Risk Bundle in Tempe, AZ
- Call or text 480-270-2935 — this is step one.
- Tell us about your driving + claims history
- We compare carriers that accept high-risk bundles
- You choose the best available rate
Most bundles can be activated same day.
High-Risk Bundle FAQs — Tempe, AZ
Can I bundle home + auto if I have accidents or an SR-22?
Yes — we work with carriers that offer bundle discounts to high-risk drivers.
Absolutely — will bundling help reduce my auto insurance costs?
Yes. High-risk drivers save the most by combining home + auto policies.
Do I need to own a home to get a bundle discount?
No. Renters + auto bundles offer strong savings too.
Home + Auto Bundle for High-Risk Drivers in Tempe, AZ — Get a Quote Today
Protect your home, your vehicle, and your finances — even with a complicated history.
Call or text 480-270-2935 for a high-risk bundle quote.
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Llámanos al 480-270-2935 para un paquete combinado de casa + auto para conductores de alto riesgo en Tempe, AZ.