Home and Auto Insurance Bundles in Texas
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Home & Auto Insurance Bundle
Bundling your home and auto insurance doesn’t just mean fewer bills. For Texans, it can mean big savings, faster claims, and the peace of mind that comes from working with experts who understand the unique needs of the Lone Star State. In this guide, you’ll learn exactly how bundling works, how much you can save, what to watch for, and answers to the most common questions Texans have about home and auto insurance bundles.
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Why Bundle Home and Auto Insurance?
What are the benefits of bundling home and auto insurance?
Bundling—also called a “multi-policy discount”—simply means purchasing your home and auto insurance from the same company.
Here’s why so many Texans do it:
- Save Money: Most insurers, including State Farm, Farmers, USAA, Chubb, Nationwide, and Armed Forces Insurance, offer bundling discounts, often between 10% and 25% or more.
- Simplicity: Manage your home and car coverage with a single company, one bill, one renewal, and fewer passwords.
- Streamlined Claims: If a storm or accident affects both your home and car, claims are handled together—often faster and more efficiently.
- Loyalty Perks: Many insurers give priority support or even additional discounts to bundle customers.
What’s Included in a Home & Auto Insurance Bundle?
What does a home and auto bundle cover?
When you bundle, you don’t lose coverage—you simply manage it together.
Here’s what’s typically included:
| Auto Insurance Covers | Home Insurance Covers |
|---|---|
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All coverage is customizable. Shop Texas Insurance helps you tailor each part to your Texas home and vehicles.
How Much Can You Save by Bundling?
Who has the cheapest home and auto bundle? How much can you save by bundling home and auto insurance?
The average savings when you bundle home and auto policies in Texas range from 10%–25% (and sometimes up to 30% with select carriers). State Farm, Farmers, USAA, Chubb, Nationwide, and Armed Forces Insurance all offer competitive bundle discounts, but rates and savings will depend on your unique situation.
Example:
- State Farm: Up to $1,356/year in savings
- Farmers: Average 20% off for multi-policy customers
- USAA: Up to 10% discount for military members and families
- Chubb: Premium bundle solutions for high-value homes and vehicles
- Nationwide: Up to 20% discount
- Armed Forces Insurance: Exclusive discounts for military families
Local Tip for Texans
Bundling home and auto insurance is especially valuable in Texas, where extreme weather—from hailstorms to hurricanes—can drive up home insurance premiums.
By combining your policies through a trusted local agency like Shop Texas Insurance, you may offset those rising costs and unlock better coverage options, all while keeping it simple with one point of contact.
How to Bundle Home and Auto Insurance in Texas (Step-by-Step)
1. Gather Info
To get you the most accurate rates, we’ll just need a few basics:
- For your home: address, year built, roof type, and any safety features (like alarms or impact-resistant roofing).
- For your car: year, make, model, VIN (if handy), and a quick look at your driving history.
2. Get Quotes
While you can spend hours entering your info into various comparison sites, it’s often much easier—and can lead to better savings—to let a local independent agency like Shop Texas Insurance do the shopping for you.
We compare both bundle and stand-alone options from trusted Texas carriers and deliver the best quotes right to you. One quick form, no hassle, real savings.
3. Compare Discount Details
We’ll break down exactly how much you’ll save on each policy—not just the headline discount. You’ll also get the full picture of any extra perks, like single deductibles, priority claims service, or unique benefits available from top Texas carriers.
4. Review Coverage
Our local team will review both your home and auto coverage to ensure every detail fits your family and property. We don’t believe in “one size fits all”—and we never recommend cutting important coverage just to lower your price.
5. We Consider Company Reputation
After hundreds of Texas storms and thousands of claims, we know which insurers stand by their word. We’ll share real customer experiences and explain what to expect if you ever have to file a claim.
6. Choose & Save
Once we find the right fit for you, we’ll handle the paperwork, coordinate start dates, and walk you through every step. You get expert advice, the best value, and a friendly Texas team who’s here for you year after year.
Drawbacks to Bundling—And When It’s NOT the Best Deal
Bundling is usually a win, but not always! Here’s what to watch out for:
- Bundling Isn’t Always Cheapest: Sometimes, stand-alone policies (from different companies) are cheaper, especially if your home or car has unique risks.
- Coverage Gaps: Not all insurers excel at both home and auto—make sure both policies fit your needs.
- Rate Creep: Some companies raise rates at renewal—compare every year!
- Eligibility: Not all companies bundle every type of property (e.g., condo, rental, or rural homes).
At Shop Texas Insurance, we do the work for you by comparing bundled and stand-alone options across trusted insurers like State Farm, Farmers, USAA, Chubb, Nationwide, and Armed Forces Insurance. We’ll help you find the right coverage at the best value for your situation—even if that means recommending you don’t bundle.
Not sure what’s best for you?