Round Rock ,TX Home Insurance - The cost of homeowners insurance is influenced by a range of factors, including the value of your coverage, deductible, and the construction materials used in your home.
VHome Insurance conducted a thorough analysis of the Round Rock, TX homeowners insurance market, taking into account factors like average costs, range of coverages, deductibles and customer satisfaction ratings to determine the best providers. The Average home insurance cost in Round Rock, TX is $2199. Enter your zipcode below and click “GO” to get multiple free quotes.
It is important to understand the different coverage options available in Round Rock, TX. VHome Insurance will help you navigate the world of homeowners insurance coverages in Round Rock, TX.
| Coverage Level | Average Annual Premium |
|---|---|
| $100,000 | $880 |
| $200,000 | $1,495 |
| $300,000 | $1,847 |
| $400,000 | $2,815 |
| $500,000 | $3,540 |
One key aspect of your policy is the deductible, which is the amount you pay out of pocket before your insurance kicks in. Choosing the right deductible can have a major impact on your insurance premiums and overall savings. In this guide, we'll help you understand the options available for homeowners insurance deductibles in Round Rock, TX, and how to choose the right one for your needs.
| Deductible Level | Average Annual Premium |
|---|---|
| $500 Deductible | $2,255 |
| $1000 Deductible | $2,016 |
| $1500 Deductible | $1,902 |
| $2500 Deductible | $1,715 |
| $5000 Deductible | $1,451 |
| Home Insurance Company Near Round Rock, TX | Homeowners Insurance Agency Near Round Rock, TX | Address |
|---|---|---|
| Travelers | Round Rock Insurance | 101 EAST OLD SETTLERS BLVD STE 160, ROUND ROCK, TX, 78664 |
| Nationwide | The Dollar Agency Inc | 407 W University Ave STE 100, Georgetown, TX, 78626 |
| NA | Lawhorn Insurance | 3000 Joe Dimaggio Blvd Ste 12 Round Rock, Round Rock, TX, 78664 |
| Allstate | Andrew Norris | 1300 Gattis School Rd Ste 500, Round Rock, TX, 78664 |
| Allstate | Carla Carlow | 15901 Central Commerce Dr Ste 101, Pflugerville, TX, 78660 |
| Place | 1 Car Bundle Savings On Insurance | 2 Car Bundle Savings On Insurance | 3 Car Bundle Savings On Insurance |
|---|---|---|---|
| Brushy Creek CDP, Texas | $163 | $217 | $326 |
| Wells Branch CDP, Texas | $158 | $210 | $315 |
| Pflugerville city, Texas | $158 | $211 | $317 |
| Place | Home insurance as a % of housing cost for homes with mortgage | Home insurance as a % of housing cost for homes without mortgage |
|---|---|---|
| Round Rock, TX | 5.4% | 15.8% |
| Brushy Creek | 4.77% | 11.96% |
| Wells Branch | 6.07% | 16.39% |
| Pflugerville | 5.38% | 13.56% |
| Round Rock Home By Monthly Rent | Total Homes | % of Total | Estimated Monthly Income To Afford Rented House Including Renters Insurance |
|---|---|---|---|
| $500 to $749 | 1,851 | 13.0% | $1916 |
| $750 to $999 | 4,583 | 32.0% | $2666 |
| $1,000 to $1,499 | 5,595 | 39.0% | $3791 |
| $1,500 or more | 1,766 | 12.0% | $5441 |
| Streets in Round Rock Area | Homeowners Insurance Cost |
|---|---|
| Ridgefield Loop, S Ash Cv, Deep River Cir, Rainbow Cove, Campanella Cove, Hideaway Ln, Pin Oak Ln, Beckwood Trl, Hunters Lodge Dr, Walsh Dr | $1,061 |
| Adelen Ln, W Luminoso Ln, Oak Meadow Dr, Rosenborough Ln N, Deer Draw St, Baffin Cove, Tony Dr, Gleneagles Cove, Sparrow Dr, Fern Bluff Ave | $1,090 |
| Pointe Pl, Ashley Dr, Weddington Dr, Trey Ct, Hale Irwin Dr, Hummingbird Ct, Terra St, Rock Hill Rd, E Nakoma, Edville Ln | $1,052 |
| Stagecoach Trl, Co Rd 186, Stratford Ct, Tanner Cir, Bob Estes Cv, Overview St, Grove Dr, Erika Cove, Meandering Way, Texas Ave | $1,067 |
| Rabbit Run, Thompson Trl, Winding River Trl, Cami Path, Cushing Dr, Hillridge Dr, Chowan Way, Westvalley Pl, Scenic Ter, Highland Estates Dr | $1,123 |
| Tom Seaver Pl, Pheasant Hollow, Alazan Cv, Mayfield Dr, Pine Forest Cove, Sycamore Trl, Rustlers Rd, Inwood Cove, Settlers Park Loop, Whirlwind Trl | $1,037 |
| Lancaster Gate Dr, Sundrop Pl, Dixie Ln, Black Rock Bend, Wood Rock Dr, Whitetail Cove, Live Oak Cove, Limmer Loop, Vista Ave, Woodgreen Dr | $1,041 |
| Rachel Ln, Co Rd 173, Wyman Cove, Cactus Dr, Dry Creek Ct, Fred Couples Dr, Oak Vista Pl, Alexander Valley Cove, Hairy Man Rd, Old West Pl | $1,023 |
| Klattenhoff Ln, S Stone St, Royal Burgess Dr, N Mays St, Twin Terrace Ct, Barefoot Ln, Enchanted Rock Cove, College St, Lesa Ln, White Indigo Trl | $1,055 |
| San Fernando Ct, Latitude Ln, Sandy Koufax Ln, Ivy Ct, Acacia Dr, Chandler Crossing Cove, Hawk View St, Cedar Springs Pl, W Bagdad Ave, Jazz St | $1,067 |
| Place | Savings For Senior Occupied Homes |
|---|---|
| Round Rock | $158 to $161 |
| Brushy Creek | $162 |
| Wells Branch | $158 |
| Round Rock-Georgetown | $160 |
| Low Deductible | High Deductible | |
|---|---|---|
| Deductible | $1,800 | $2,800 |
| Yearly Round Rock Homeowner Insurance Premium Example | $2,500 | $2,000 |
| Out of Pocket Expense During Claim | $1,800 | $2,800 |
| Total Home Insurance Premium for 4 years + Out of Pocket Expense for Claim | $11,800 | $10,800 |
| Net Savings to Round Rock Home Owner from High Deductible Plan | $1,000 | |
| Scenario | Round Rock, TX Home Replacement Value MORE than Home Value | Round Rock, TX Home Replacement Value LESS than Home Value |
|---|---|---|
| Replacement Value | $161,500 | $111,000 |
| Insurance Premium based on Replacement Value | $1,625 | $1,125 |
| Risk Exposure from Under Insuring Coverage | Unnecessary Home Insurance Coverage of $26,000 | Risk Exposure from Under Insuring Coverage is $24,500 |
| Premium Impact | Insurance cheaper by $250/year | Insurance costlier by $250/year |
| Insurance Company | Liberty Mutual | Allstate | Travelers |
| Monthly Premium | 107 | 194 | 126 |
| Year Built | 2005 | 2014 | 1986 |
| Home Details | 2 Beds, 1 Baths | 4 Beds, 2 Baths | 3 Beds, 2 Baths |
| Coverage Amount | $125000-$150000 | $250000-$300000 | $175000-$200000 |
| Deductible | $500 Deductible | $1000-$2500 Deductible | $500 Deductible |