By consolidating, he said, you could be missing out on low rates from a growing roster of start-ups that focus on one kind of insurance (such as pay-per-mile auto insurer Metromile, for example, or property insurer Lemonade).
Adams said bundling also might not be the best bet if you live in an area where your choice of insurer for one product is limited — such as Florida, where many big insurers have pulled out of the home insurance market. Or, if you drive a classic car or own an older home, either of which can influence rates for that line of coverage.
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“It’s always wise to shop your policy bundled and unbundled,” she said. “It really should not be very much more time consuming.
“It’s just having them run one more quote for you.”