Quick take: Bundling home and auto insurance can save Colorado Springs homeowners real money, especially with hail pushing premiums higher along the Front Range. But the biggest discount isn't always the lowest total price. Here's what changed this week and how to compare bundles the smart way.
What happened: Kin adds auto insurance in Colorado
On November 12, 2026, Kin Insurance announced that its auto insurance is now available in Colorado, the third state where it sells auto coverage after Florida and Texas. According to the company's press release, Colorado homeowners who bundle a Kin home policy with Kin auto coverage may save up to 15% on their home premium and up to 20% on their auto premium. Those bundle discounts apply only while both policies stay active with Kin.
Kin says demand was strong during testing: 42% of Colorado homeowners who bought a Kin home policy in its beta period also bought Kin auto coverage. Kin sells directly to consumers, offers liability-only or full-coverage auto policies, and advertises a discount for drivers 55 and older who complete an approved driver safety course.
Why bundling matters so much in Colorado: hail
Kin's announcement cites the Colorado Division of Insurance finding that hail accounts for roughly half of homeowners insurance premiums along the Front Range and Eastern Plains. Division data reported by The Center Square puts El Paso County at about 52.5%. In other words, more than half of the average Colorado Springs homeowners premium is tied to hail risk.
Hail hits cars too. On an auto policy, hail damage is covered by comprehensive coverage, part of what most people call "full coverage." When one storm can damage your roof, siding and vehicles on the same afternoon, it pays to have home and auto policies that work together and to know both deductibles before the storm.
How a home and auto bundle saves money
Multi-policy discounts. Most insurers discount one or both policies when you carry home and auto together.
One renewal and one point of contact. Fewer bills and one call to make after a storm.
Storm perks. Some insurers offer extras, such as a single deductible when the same event damages both your home and your car. Ask whether yours does.
When a bundle isn't the best deal
A big discount off a high base rate can still cost more than two separate policies from two different companies. Before you switch, compare the total annual cost, not just the discount percentage. Also keep in mind:
Discounts depend on keeping both policies. If your home policy is non-renewed (for example, because of roof age), your auto discount can disappear with it.
Deductibles matter more than ever. Many Colorado home policies carry a separate wind and hail deductible, often a percentage of your dwelling coverage. See how wind and hail deductibles work in Colorado.
Roof coverage varies. Some policies pay replacement cost on your roof, while others pay actual cash value. Learn the difference in replacement cost vs. actual cash value and how roof age affects your home insurance.
A direct insurer shows you one price. When you buy from a single company, you only see that company's bundle. An independent agency can compare bundled and unbundled options from several carriers side by side.
A bundle checklist for Colorado Springs homeowners
Pull your current home and auto declarations pages so you can compare apples to apples.
Match coverage limits, including dwelling coverage, liability limits and uninsured/underinsured motorist coverage.
Compare wind and hail deductibles in dollars, not just percentages.
Ask how your roof is valued and whether an impact-resistant roof earns a discount.
Price two or three bundles plus a "split" option, with home at one company and auto at another.
Ask about discounts you may be missing: safe driver, multi-car, paid-in-full, paperless and mature driver course discounts.
Compare home and auto bundles with a local independent agent
McCloskey Advisor Group is an independent insurance agency in Colorado Springs. Instead of quoting one company, we compare home and auto insurance from multiple carriers and show you whether a bundle or separate policies give you the best value. Learn more about our home insurance in Colorado Springs and auto insurance in Colorado Springs, or read why home insurance keeps rising in Colorado Springs.
Ready to see your options? Request a home and auto bundle quote or call (719) 247-1554.
Sources: Kin Insurance press release via PR Newswire, "Kin Brings Auto Insurance to Colorado, Offering Bundled Savings to Homeowners" (Nov. 12, 2026); The Center Square, reporting Colorado Division of Insurance data (2026). Discounts and figures are as reported by those sources. Your rates and eligibility will vary.