Multi-Policy Discounts
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More Policies. More Ways to Save.
Protecting more with Western Reserve Group can also mean saving more. Our Multi-Policy Discount rewards eligible policyholders who carry more than one qualifying policy with WRG, including combinations of Personal Auto, Commercial Auto, Homeowners, Farmowners, Renters, and Umbrella coverage. With several eligible policy combinations available, we provide opportunities for different types of policyholders to save while keeping more of their insurance with WRG.
Save When You Insure More With WRG
Keeping multiple policies with WRG can provide more than convenience. Depending on the policies you carry and your eligibility, you may receive a discount on qualifying premiums.
Multi-Policy Discounts vary based on the type and combination of policies insured with WRG. If you qualify for more than one available discount within a policy category, only the highest applicable discount will apply.
Personal Auto Multi-Policy Discounts
Save More When Your Auto Policy Is Paired With Additional WRG Coverage
At WRG, you can qualify for additional savings by combining your WRG car policy with eligible home, farm, or umbrella coverage, making it easier to keep more of your insurance in one place. Eligible policy combinations and their available discounts include the following.
| Policy Combination | Discount |
|---|---|
| Personal Auto + Personal/Commercial/OR Farm Umbrella | 5% |
| Personal Auto + Homeowners OR Farmowners | 15% |
| Personal Auto + Homeowners OR Farmowners + Personal/Commercial/OR Farm Umbrella | 20% |
| Policy Combination | Discount |
|---|---|
| Personal Auto + Homeowners OR Farm Renters | 7% |
| Personal Auto + Homeowners OR Farm Renters + Personal/Commercial/OR Farm Umbrella | 12% |
Homeowners Multi-Policy Discounts
Additional Savings for Eligible Home Policyholders
Whether you’re a homeowner or renter, you may qualify for additional savings when you have a WRG homeowners or renters policy along with an eligible Personal Auto, Commercial Auto, Personal Umbrella, or Farm Umbrella policy through WRG.
| Policy Combination | Discount |
|---|---|
| Homeowners + Personal/Commercial/OR Farm Umbrella | 5% |
| Homeowners + Commercial Auto | 5% |
| Homeowners + Commercial Auto + Personal/Commercial/OR Farm Umbrella | 10% |
| Homeowners + Personal Auto | 15% |
| Homeowners + Personal Auto + Commercial Auto | 15% |
| Homeowners + Personal Auto + Personal/Commercial/OR Farm Umbrella | 20% |
| Homeowners + Personal Auto + Commercial Auto + Personal/Commercial/OR Farm Umbrella | 20% |
| Policy Combination | Discount |
|---|---|
| Renters + Personal/Commercial/OR Farm Umbrella | 5% |
| Renters + Commercial Auto | 5% |
| Renters + Commercial Auto + Personal/Commercial/OR Farm Umbrella | 10% |
| Renters + Personal Auto | 10% |
| Renters + Personal Auto + Commercial Auto | 10% |
| Renters + Personal Auto + Personal/Commercial/OR Farm Umbrella | 15% |
| Renters + Personal Auto + Commercial Auto + Personal/Commercial/OR Farm Umbrella | 15% |
Farmowners Multi-Policy Discounts
Protect Your Farm and Save Across Your WRG Policies
WRG farm policyholders may be eligible for additional savings when they also carry qualifying auto or umbrella coverage with WRG. Available discounts vary based on whether the policyholder’s farm dwelling is owned or rented.
| Policy Combination | Discount |
|---|---|
| Farmowners + Personal/Commercial/OR Farm Umbrella | 2% |
| Farmowners + Personal Auto + Commercial Auto | 10% |
| Farmowners + Personal Auto + Commercial Auto + Personal/Commercial/OR Farm Umbrella | 12% |
| Policy Combination | Discount |
|---|---|
| Farm Renters + Personal/Commercial/OR Farm Umbrella | 2% |
| Farm Renters + Personal Auto + Commercial Auto | 5% |
| Farm Renters + Personal Auto + Commercial Auto + Personal/Commercial/OR Farm Umbrella | 7% |
Dwelling Fire Multi-Policy Discount
Our Dwelling Fire coverage can also provide an opportunity for additional savings when combined with other qualifying WRG policies. WRG Dwelling Fire policyholders may qualify for a 15% Multi-Policy Discount when they also carry a WRG Homeowners policy and an eligible Personal Auto or Commercial Lines policy.
Why Keep More of Your Insurance With WRG?
More Opportunities to Save
Carrying multiple qualifying WRG policies can unlock discounts across eligible coverage.
Coverage for More of What Matters
From your home and vehicles to your farm and personal liability, WRG offers coverage options designed around different parts of your life.
One Trusted Independent Agent
Your independent agent can help review your insurance needs, explain available discounts, and identify qualifying policy combinations.
A Company You Can Insure With Confidence
Keeping your coverage with WRG means working with a company committed to dependable protection, responsive service, and long-term relationships.
Discount FAQs
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Talk with an independent agent to explore your options and enroll in an eligible Multi-Policy Discount.