To Bundle or Not to Bundle? Here's the Real Answer …
Clients ask us this all the time:
Should I combine my home and auto with the same insurance company to get a discount?
And our answer?
It depends.
Yeah, we know — not the exciting answer you were hoping for. But here's why it's the right one.
The Two Things That Actually Matter
When we’re helping someone with insurance, we focus on two things:
1. Coverage.
2. Price.
That’s it. If bundling gets you better coverage at a better price, great.
If it doesn’t, we don’t do it. Simple.
Captive vs. Independent: Know the Difference
If you're working with a captive agent (like State Farm or Allstate), bundling is basically your only option. They can only sell their brand of home, auto, and everything else. So yeah — bundle away.
But if you’re working with an independent agent (like us), the rules change.
MIS Agents works with 20+ carriers. Some are amazing for home, but don’t even touch auto. Others shine in auto but skip home altogether and some do both really well…. So forcing everything into one company for a discount might actually cost you more in the long run — or worse, leave you underinsured.
Bottom Line
Bundling isn't a magic trick — it's just one option.
Sometimes it works beautifully.
Other times, splitting policies between carriers gives you way more value.
So when it comes to “multilining,” don’t fall for the hype. Talk to someone who actually shops the market — not someone stuck selling just one brand.
Rising insurance premiums are a challenge, but understanding the reasons behind them can help you make better decisions. At MIS Insurance, we’re here to help you navigate these changes and find the coverage that fits your needs. Whether you’re searching for affordable auto insurance in Dallas or comprehensive homeowners insurance in Texas, we’ll work with you to ensure you’re getting the right coverage at the best possible price.