Round Rock Homeowners Insurance

Your Complete Guide to Round Rock, TX, Homeowners Insurance

(How where you live affects your premium)

Round Rock, Texas, is known for its award-winning parks and school district. This 123,678-resident town was named the safest city in the US. 

If you own a home in Round Rock, you've got something special and it needs to be protected. Find an independent insurance agent on TrustedChoice.com to help with your homeowners insurance policy. 

The Price of Homeowners Insurance in Round Rock, TX

What it costs to insure your home could be a night and day difference from your neighbors. That's because each home has varying criteria, and so does each insured. Even if your home has similar characteristics as your neighbor's, you are still uniquely you. It will help to know the homeowners insurance premium averages when you're comparing rates:

  • National average: $1,173
  • Texas average: $1,991
  • Round Rock average: $1,218

Your home rates can differ from the averages, but it's good to know where your premium stands. The insurance carriers use specific rating factors to determine your homeowners insurance cost. Let's look at what the carriers' rating factors include:

  • Weather risks 
  • The local crime rates
  • Your claims history 
  • Your credit score
  • The coverages you select 
  • The year, construction type, and square footage of your home
  • If you qualify for any policy discounts

When comparing rates for your Round Rock home, there are several choices. An independent agent can help narrow down the search and do all the heavy lifting. They have access to multiple carriers, so you have options.

Will Your Round Rock, TX, Home Policy Cover Burglaries?

Texas's burglary rate is a bit higher than the national average, which could mean higher insurance rates. Let's take a look at the burglaries per 1,000 households:

  • Number of burglaries per 1,000 homes in the US: 4.69
  • Number of burglaries per 1,000 homes in Texas: 5.34
  • Number of burglaries per 1,000 homes in Round Rock: 2.88

What's excellent is Round Rock comes in much lower than the state and national averages. Your homeowners insurance will, in return, have lower rates. Contact your local agent to make sure you have protection against a break-in. 

Liability Insurance and Your Round Rock, TX, Home

Your liability insurance is the primary coverage on your homeowners policy. It's essential coverage to have and often mandatory for a loan or lease. It will protect you and your household members in the following occurrences:

  • If a guest or person injures themselves on your property
  • If a household member is sued for slander or bullying
  • If you cause damage to a person or property by accident while away from home
  • If your pet causes injury or damage to another person or property

Make note that if any of these occurrences are intentional, then coverage will be denied. Your home insurance will cover accidents, even negligent ones, but it won't cover your or a household member's malicious actions. Contact your Round Rock agent for liability insurance questions.  

Homeowners Risk in Round Rock, TX

Your homeowners insurance will provide coverage for perils related to weather. There are many catastrophic and severe weather events that could cause damage to your home. If your policy is adequately insured, your coverage will respond. 

Catastrophic Events in Round Rock:

  • Number of federally declared catastrophes since 1953: 254
  • Most common catastrophe: Wildfires and residential fires
  • Number of tornadoes per year: 146.7
  • Homeowners claims paid in 2016: 7,247,618,000

With the number of tornadoes alone in Texas per year, you need proper coverage. That's about 2.48 tornadoes per day and 3.79 catastrophes per year. The odds of you having a home insurance claim in Texas are higher than most. 

When a natural disaster strikes, your homeowners policy should be designed to replace or repair any damage. It will also provide coverage for other structures, personal belongings, and medical expenses. Loss of use coverage is there in case you have to rent somewhere else for a while. Speak with your independent agent to find home coverage that will last.

Flood Insurance in Round Rock, TX

One of the top three risks in Round Rock, TX, is flooding. Unfortunately, your homeowners policy does not have coverage for flood damage. You will need to discuss a separate insurance policy with your independent agent. Let's look at how you can get flood insurance for your Round Rock, TX, home:

#1 - Get connected with an independent agent.

#2 - Have your agent pull your elevation certificate to determine your property's flood zone.

#3 - Purchase flood insurance from the best option your agent presents.

Why Work with an Independent Insurance Agent in Round Rock, TX?

Your home is a place of comfort and security, and it should stay that way. With the right coverage, you can protect yourself and your family from all the what-ifs. 

An independent insurance agent is the best resource when it comes to shopping for home insurance. They work with several carriers, giving you options. Go to TrustedChoice.com and access the find-an-agent tool to connect with a Round Rock agent. 

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