The purpose of insurance is for when the unexpected does happen. Will getting your situation back to the way it was painless and easy or stressful and consuming?
Consider the scenario above where you have insurance with three different companies, if there was a windstorm that damaged your home, car and spouses vehicle at the same time what would happen?
You would be required to report the claim three times, interact with three different claims adjusters, and pay three deductibles.
If your insurance was bundled together you may have more than one adjuster (ex: if there were home and car damage as a result of a storm) but one company to work with. Your situation may only call on one deductible payment instead of three. All in all bundling saves time, energy and money.