Reviewed and approved by Samuel Corso, licensed Texas insurance agent.

Published July 21, 2026 · Updated October 1, 2026

Should you bundle home and auto insurance in Texas?

Insurers may offer a discount for keeping your home and auto policies with one company. This guide explains how bundling works in Texas, what the Texas Department of Insurance (TDI) says about the discount, and how to compare a bundle with two separate policies.

The short version. Bundling home and auto insurance in Texas is one option to price against separate policies. TDI says in Lower your home insurance cost by asking for discounts that you could get a discount for having two or more policies, like home and car, with the same company. In a February 20, 2025 news release, TDI's commissioner said that sometimes the best option is home and auto coverage from different companies.

Here's what we'll cover: what bundling is, what TDI says about the multi-policy discount, what TDI says about being required to buy both policies together, when it can make sense to price the policies separately, and how to check the numbers for your own home and cars.

What bundling means

Bundling means buying more than one insurance policy, such as your homeowners and your auto policy, from the same insurance company. TDI describes the discount tied to it in its home insurance tip sheet Lower your home insurance cost by asking for discounts (last updated 12/18/2025): "You could get a discount for having two or more policies (like home and car) with the same company. This is also called a bundling discount."

That tip sheet adds that with a multi-policy discount you also get the benefit of working with one insurance company instead of multiple. TDI's auto tip sheet Ask for discounts to lower your auto insurance premium amount (last updated 12/11/2025) describes the discount from the car side, saying you might get a discount for having other policies with the same company, like a home or renters policy.

In plain terms, a bundle has two parts to weigh. One is the discount, if the company offers one. The other is the convenience of one company for both policies.

What TDI says about the multi-policy discount

A multi-policy discount on home and auto insurance in Texas is something a company may offer, and TDI's wording about it is conditional. The home tip sheet says you could get the discount, and the auto tip sheet says you might get one.

On whether discounts are required, TDI's February 11, 2025 blog post Companies may offer auto insurance discounts. No law requires discounts. quotes Insurance Commissioner Cassie Brown: "Insurance companies may offer discounts, but no state law or rule mandates discounts or puts a time limit on them." That post is about auto insurance discount offers in advertising and does not mention bundling discounts; the commissioner's sentence is quoted here for what it says about discounts generally.

Discounts can also differ from one company to the next. Companies don't always offer the same discounts, according to the auto tip sheet, a page about auto insurance discounts.

For a bundle, it can help to ask each company whether it offers a multi-policy discount. The total for a bundle from one company may be higher or lower than the total for two separate policies from other companies, and comparing quotes is how you can see which is the case for you.

What TDI says about being required to bundle

TDI has addressed the practice of requiring a consumer to buy home and auto insurance together, which it calls a tying arrangement. Its February 20, 2025 news release, TDI: Companies shouldn’t force consumers to buy home and auto insurance together, said TDI was working to ban what it calls tying arrangements of home and auto policies and described them this way: "That’s a practice where a company or agent requires a consumer to buy a home and auto policy at the same time."

The release described a proposed rule that would prohibit tying arrangements. TDI's Proposed and Adopted Rules for 2025 page (last updated 5/4/2026, checked October 1, 2026) lists that proposal, filed 02/07/2025, as withdrawn.

The February 2025 release also separated tying from bundling. It said the proposed rule would not prevent bundling, which it described in these words: "that’s when a consumer chooses to buy more than one policy from the same provider to get a discount."

The distinction the release drew is between a purchase the consumer chooses and a purchase a company or agent requires. Bundling, as TDI uses the word, is the first kind.

This page is general information, not legal advice. For questions about your policy or a company's practices, check your policy or contact the Texas Department of Insurance.

When it can make sense to price the policies separately

Home and auto insurance from two different companies can sometimes be a consumer's best option, according to TDI's commissioner. In the February 20, 2025 news release, Commissioner Cassie Brown is quoted: "Sometimes your best option is to get home and auto coverage from different companies." The release does not say how often that is the case or for whom.

Two situations where you may want to see separate quotes next to the bundle:

• One policy is priced higher for you. A company may be lower than others on your auto policy and higher on your home policy, or the reverse. A multi-policy discount may or may not make up that difference.
• The coverage differs. A company's home policy may have different deductibles, limits or exclusions from the one you have now. A bundle built on a different policy is a different product, and the two totals are only comparable once the coverage is lined up.

These are general explanations of how the totals can differ. They are not statements about any insurer, and none of them means a bundle is the wrong choice for you.

How to check what's right for you

Checking whether to bundle home and auto insurance comes down to comparing totals with the coverage lined up. These are steps you can take; the TDI pages cited inside them support only the specific facts they are cited for.

1. Get the bundle quoted, and the policies separately. Ask for the combined home and auto price with any multi-policy discount applied. Then get quotes for each policy on its own. Compare the total both ways.
2. Ask about discounts. The home tip sheet suggests asking your company if you're getting all the discounts you qualify for, and the auto tip sheet says: "Your company should sign you up for the discounts you qualify for, but it never hurts to ask about them and make sure."
3. Compare coverage along with price. Check that the deductibles, limits and coverages match across the quotes, including any wind and hail deductible on the home policy, before you compare the totals.
4. Shop again from time to time. TDI's home tip sheet and auto tip sheet both say that if you're not happy with the price of your insurance you can shop for a better rate, and add: "It’s a good idea to shop at least every three years." Both pages suggest starting with sample rates at HelpInsure.com.

Key facts

• TDI's Lower your home insurance cost by asking for discounts says you could get a discount for having two or more policies, like home and car, with the same company, and that this is also called a bundling discount.
• That home tip sheet adds that a multi-policy discount also brings the benefit of working with one insurance company instead of multiple.
• You might get a discount for having other policies with the same company, like a home or renters policy, per TDI's auto tip sheet, which also says companies don't always offer the same discounts.
• TDI's February 11, 2025 blog post Companies may offer auto insurance discounts. No law requires discounts., which is about auto insurance discount advertising, quotes Commissioner Cassie Brown saying insurance companies may offer discounts and that no state law or rule mandates them or puts a time limit on them.
• A February 20, 2025 TDI news release said TDI was working to ban tying arrangements, where a company or agent requires a consumer to buy a home and auto policy at the same time, through a proposed rule. TDI's Proposed and Adopted Rules for 2025 page (last updated 5/4/2026) lists that proposal as withdrawn.
• That news release said the proposed rule, since listed as withdrawn, would not prevent bundling, where a consumer chooses to buy more than one policy from the same provider to get a discount, and it quotes the commissioner saying that sometimes the best option is home and auto coverage from different companies.
• Both TDI tip sheets, home and auto, say that if you're not happy with the price of your insurance, it's a good idea to shop at least every three years.

Sources: Texas Department of Insurance, Lower your home insurance cost by asking for discounts, Ask for discounts to lower your auto insurance premium amount, Companies may offer auto insurance discounts. No law requires discounts., TDI: Companies shouldn’t force consumers to buy home and auto insurance together, and Proposed and Adopted Rules for 2025. This page is general information, not legal advice.

Take the next step

To decide whether to bundle, compare the bundle against separate policies with the coverage lined up side by side. Our guide on how to choose home insurance in Texas covers what to compare beyond the price, and independent agency vs. going direct explains the two ways of shopping. Credify surveys roughly 20 licensed Texas carriers for home, auto and bundled insurance from one quick form, web chat or phone call, 24/7.

Get a second opinion on your policy — free. Credify is a licensed insurance agency in Texas that helps you compare home insurance from roughly 20 licensed Texas carriers, so you can see whether your home and auto coverage fits your needs. It takes a few minutes, and there's no obligation. 📞 Talk to Credify 24/7.

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