TL;DR summary:

• Most insurance carriers apply a 20-25% multi-policy discount to your home policy when they also insure your vehicles — often $200 or more per year on a Lubbock home. Shopping the home policy in isolation with a direct carrier can quietly cost you that credit and leave you paying more overall.
• The right question is not “bundle vs. split” but “which total is cheaper net of every discount, on Lubbock-appropriate coverage?” Splitting home and auto across two carriers still makes sense for high-risk drivers, restrictive home carriers, or specialty endorsements — but only if the math is run correctly.
• An independent agent is the only distribution channel that can quote both scenarios with one phone call. Hettler Insurance shops 30+ top-rated carriers, compares bundled and split totals side by side, and reviews Lubbock-specific wind, hail, and replacement-cost details in the same conversation — at no extra fee to you.

We get calls all the time from Lubbock families wanting us to shop their auto insurance. We put all the information into our rating program and get quotes back from up to eight companies. But many times the substantial savings we show the customer are “eaten up” by the loss of a multi-policy discount on their home insurance — and that is exactly the trap this article is written to help you avoid.

Table of Contents

• What a multi-policy discount actually is
• Why shopping one policy in isolation costs you money
• Why an independent agent solves this in one phone call
• When splitting home and auto still makes sense
• A quick Lubbock checklist before you shop
• Bundle or split — we’ll tell you which is cheaper
• Frequently asked questions

Key Takeaways

What a multi-policy discount actually is

Many insurance companies give a 20-25% discount on your home policy if you insure your automobile with them. On a Lubbock homeowners policy — where wind, hail, and replacement-cost pressure have pushed premiums up sharply over the last several years — that discount routinely translates into $200 or more in annual savings for placing both policies with the same carrier.

A few things worth knowing about how the discount usually applies:

• The credit is most often applied to the home side, not the auto side.
• It only stays in force as long as both policies remain active with that carrier.
• Cancelling either policy can trigger a re-rate on the other at the next renewal.
• The exact percentage varies by carrier, coverage, and territory — and it is often deeper in higher-risk zip codes like ours.

Why shopping one policy in isolation costs you money

Many homeowners approach the market with just one policy in mind. They shop their big-ticket item — the homeowners policy — with online and direct-marketed companies, without realizing that changing to any of them would cost them $200 or more in additional home insurance premium because the multi-policy discount goes away.

The same trap works in reverse. A cheaper auto quote from a direct carrier looks great on paper until you realize your existing home policy is about to lose its bundle credit at renewal. The net cost of the “savings” can be higher than the price you were already paying.

Why an independent agent solves this in one phone call

If you are a homeowner, it is more efficient to approach insurance agencies and companies that write both auto and home insurance. Almost every independent insurance agency I know offers both home and auto insurance with multiple companies. If you want to find a fair deal, call a local independent insurance agent and get them working for you.

An independent agent can:

• Run bundled quotes for home and auto with the same carrier across 10 to 30+ companies.
• Run split quotes with home at one carrier and auto at another.
• Compare the two totals side by side net of all discounts.
• Flag Lubbock-specific issues like wind and hail deductibles, roof settlement clauses, and replacement cost limits at the same time.

That is something a captive agent, an online quoter, or a call center simply cannot do — because they only have one carrier’s product to sell.

Don’t do insurance alone. Hettler speaks insurance-ese. Call (806) 798-7800.

When splitting home and auto still makes sense

With all that said, it sometimes makes sense to place your auto and home insurance with different insurance companies. A few common Lubbock scenarios where a split beats the bundle:

• A high-risk driver in the household makes auto pricing much cheaper at a specialty carrier.
• Your home carrier does not write competitively in your West Texas zip code but is excellent on auto.
• You need a specialty endorsement (classic car, high-value dwelling, agricultural exposure) that only one carrier will write cleanly.
• Loyalty credits on one long-standing policy actually outweigh a fresh bundle discount.

Again, your independent insurance agent is the most efficient way to make that comparison happen. They are the only distribution system that lets you shop with one phone call.

A quick Lubbock checklist before you shop

1. Pull your current home and auto declarations pages together.
2. Identify your current multi-policy discount and how much of the home premium it represents.
3. Ask your agent to quote both a bundled option and a split option.
4. Compare the two totals net of all discounts — not just the auto side.
5. Review wind and hail deductibles, roof settlement, and replacement-cost limits at the same time.
6. Confirm the new carrier still gives you the credit if you add or drop a vehicle later.

Bundle or split — we’ll tell you which is cheaper

If you are searching for auto insurance or homeowners insurance in Lubbock, the South Plains, West Texas, or anywhere in Texas, give Hettler Insurance a call at (806) 798-7800 or visit www.hettlerinsurance.com. Founded in 1992 by Ron Hettler, CIC (Certified Insurance Counselor), we represent 30+ top-rated carriers, we shop your entire package — bundled and split — and we tell you which is actually cheaper. No extra fee. Stay safe out there.

Get Better. Get Hettler.