When we say "home insurance" or "homeowners insurance," we're referring to House & Property insurance.
Why bundle?
From a streamlined experience to serious savings, bundling makes life easier.
Savings
You can save up to 20% when you bundle your policies with Kin.*
Simplicity
Two policies, one portal. Manage everything in one, easy-to-access place.
Exceptional care
Licensed Kin agents are easy to reach and ready to listen. Contact us via email, phone, or live chat.
What does homeowners insurance cover in Texas?
Clear protection and coverage that puts you in control.
Dwelling coverage
for the actual structure of your home, inside and out.
Other structures
for things like your detached garage or shed.
Personal property
for your personal belongings that make your house a home.
Loss of use
for additional living expenses when a covered loss forces you to temporarily relocate.
Personal liability
if you accidentally cause someone bodily injury or property damage.
Medical payments
if a guest is injured on your property.
What does auto insurance cover in Texas?
No matter what’s down the road, we’ve got you covered.
Bodily injury liability
Covers costs related to injuries or death of another person because of an accident for which you are legally liable.
Property damage liability
Covers costs related to damage to other people’s property because of an accident for which you are legally liable.
Collision coverage
Pays to repair or replace your own vehicle after a collision, regardless of fault.
Uninsured/underinsured motorist coverage
Covers bodily injury to your or your passengers if you’re injured in an accident caused by a driver who has no insurance or not enough insurance.
Personal injury protection (PIP) / Medical Payments
These coverages can help pay for medical expenses, lost wages, and other related costs for you and your passengers after a car accident.
Comprehensive coverage
Covers damage to your car from non-collision events like theft, vandalism, fire, hail, or hitting an animal.
Learn more about insurance with Kin
Common questions about bundling home & auto insurance in Texas
What is a home and auto insurance bundle in Texas?
A home and auto bundle is when you buy your homeowners and car insurance from a single insurance company. This setup is the most common way for Texans to earn a multi-policy discount, which typically lowers the overall cost of your premiums. Beyond the savings, it simplifies your life by giving you one digital portal for payments and policy management and one point of contact for all your insurance questions.
How do I bundle my Texas home and auto insurance?
To get started, you can ask your current insurance agent about adding another policy to your account or reach out to new companies for a bundle quote. Many Texans find it helpful to compare a combined price from a new provider against their current separate policies to see which offers the best value. Most companies allow you to start this process online or by phone.
What types of insurance can Texans bundle together?
Combining coverage for your home and car is the most common bundle structure. However, many Texas insurers allow you to bundle various insurance products together. Availability varies by insurer, but common bundling options include:
- Home and auto: Pair homeowners, condo, or renters insurance with your car, motorcycle, or RV.
- Extra protection: For those who want additional liability coverage, you may be able to add umbrella insurance to your home and/or auto insurance.
- Watercraft: Include a boat or personal watercraft policy with your primary home coverage.
- Specialty coverage: Add life insurance or even a golf cart policy to your main account.
How much can I save by bundling insurance in Texas?
Bundling is often the most significant discount a Texan can receive, although savings vary by company. Typically, combining home and auto policies reduces premiums by 5% to 15%, with a smaller segment of insurers offering discounts up to 20%.
Does bundling home and auto insurance in TX change my coverage?
Bundling doesn't mean your policies merge into one. Your home and car remain separate legal contracts with their own coverage limits (the maximum the company will pay for a loss). Your auto policy still specifically covers your vehicle, while your homeowners, condo, or renters policy continues to protect your dwelling and personal belongings. While the billing is combined, the individual rules and protections for each policy remain exactly the same as if you bought them separately.
Can I switch insurance companies in Texas to bundle?
Texas residents can switch insurance companies to bundle at any time. You do not have to wait for your current policies to expire. To start, compare combined quotes from new providers to see if a bundle offers better value than your existing separate plans. If you decide to switch, confirm your new coverage starts the exact same day your old policies end to avoid a lapse, which is a gap in protection that can lead to higher rates in the future.
Before finalizing the change, check with your current insurer for any early cancellation fees. If your homeowners insurance is paid through an escrow account — where your mortgage lender manages your tax and insurance payments — be sure to notify your lender immediately. This ensures they send payments to the correct company and keeps your home protection active without interruption.
Who is eligible for TX home and auto bundling discounts?
Most Texans qualify for bundling discounts. Eligibility is simple: you just need to hold two or more insurance policies with the same company. While the discount often applies to married couples or family members living in the same household, single individuals can also earn these savings by combining their own homeowners or renters insurance with a vehicle policy. As long as the policies are managed under the same account, the discount typically remains active.