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It is more important than ever to insure your Home and Auto insurance with the same carrier. It's no longer just about multi-policy credits and convenience. Stand-alone Homeowners insurance policies (meaning those without a companion Personal Auto policy) are facing drastic renewal premium increases and many times those with any claims activity are not being offered renewals at all. And finding a replacement Homeowners policy if you don't have a Personal Auto policy with which to package it, is extremely difficult, even when you've had no prior losses.