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Texas Homeowner Claims Insurance Company Forced Bundling to Renew Policy

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Consumer Affairs News

Insurance,Bundling,Homeowner's Insurance

A North Texas homeowner alleges that her insurance company, Farmers, threatened to non-renew her homeowner's policy unless she bundled it with an auto policy, even though she already has auto insurance with another provider. The Texas Department of Insurance reports 37 complaints this year from Farmers policyholders regarding this bundling requirement. Farmers Insurance Exchange filed new underwriting guideline rules for review in Texas, which remain pending. Farmers maintains that this bundling guideline is part of its risk management strategy and would not apply to customers with auto policies but no homes.

You may have seen offers to bundle your home and auto insurance for a discount. It’s typically optional for customers. A North Texas homeowner tells NBC 5 Responds her insurance company told her she would have to bundle to keep the current policy on her house.Sally Little of Azle shared a letter with NBC 5 Responds from her insurance company. In it, the company writes it would not renew her homeowner's policy when it expired unless Little added a personal auto policy too.

It also wrote, “Texas remains a competitive insurance market, with hundreds of companies actively offering auto and home policies and seeking new business—unlike some other states with limited insurer availability.”“Any insurance company scheme that requires us to buy two policies from them is anti-consumer,” said Ware Wendell, executive director of the nonpartisan consumer group,

This fall, Texas lawmakers held hearings over insurance costs. For the 2025 legislative session, State Senator Royce West of Dallas filed Senate Bill 213. It would prohibit insurers from requiring bundling. Little said she spent hours getting quotes for insurance and is switching to another provider for her home policy.

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