Side-by-side homeowners quotes from 25+ companies for Bee Cave, TX, from Freedom Insurance Group.
About Bee Cave, TX
Bee Cave is home to about 6,292 residents in Texas.
Bee Cave is located in Texas, and there everyday insurance shopping is driven more by home characteristics and carrier appetite than by any single landmark.
Homes are mostly single-family properties like those across Texas; replacement cost, roof age, and construction type still explain most premium differences block by block.
Homes in North Texas are often rated for severe thunderstorms, hail, and tornado risk common across the Plains.
Home insurance pricing in Bee Cave, TX
The typical homeowners insurance premium in Bee Cave, TX is about $2,454 annually for a typical local home (typical local home value about $776,400). For a $300,000 dwelling, expect around $1,562 per year; for a $600,000 home about $2,198; and for a $1,000,000 dwelling about $2,860. Freedom Insurance Group rates are often about 35% lower — near $1,595 per year for a typical home, roughly $1,015 for a $300,000 home, about $1,429 for a $600,000 home, and around $1,859 for a $1,000,000 home.
| Dwelling Coverage Limits | Average Annual Premium (incl. Windstorm & Hail Coverage) |
|---|---|
| $100,000 – $200,000 | $1,214 |
| $200,000 – $300,000 | $1,357 |
| $300,000 – $400,000 | $1,667 |
| $400,000 – $500,000 | $1,887 |
| $500,000 – $600,000 | $2,100 |
| $600,000 – $700,000 | $2,267 |
| $700,000 – $800,000 | $2,406 |
| $800,000 – $900,000 | $2,587 |
| $900,000 – $1,000,000 | $2,769 |
Band premiums are midpoints on the Bee Cave dwelling curve (typical local home value about $776,400). Illustrated estimates, not a quote.
Figures are 2026 market-style estimates for Bee Cave, TX, using a typical local home value of about $776,400. Freedom figures apply an approximate 35% savings vs the local typical premium for illustration. Your quote depends on dwelling limit, roof, deductible, claims, and carrier. Not a guarantee.
Coverage basics for homeowners
- Dwelling (A): After a covered loss, this limit rebuilds the structure; make sure it tracks today’s local rebuild costs.
- Other structures (B): This portion applies to detached features such as a garage, shed, fence, or similar buildings that sit apart from the main house.
- Personal property (C): Belongings such as furniture and clothing in the home are covered here, though some higher-value categories carry special sublimits.
- Loss of use (Coverage D): Extra living expenses while the home is being repaired after a covered claim leaves it uninhabitable.
- Coverage E, personal liability: It pays when the law holds you responsible for injuries to others or damage to their property from a covered incident.
- Medical payments (Coverage F): Medical bills for guests injured on your property, frequently covered without any formal claim.
Homeowners discounts in Bee Cave, TX
| Discount | What it means | Typical amount |
|---|---|---|
| New Home | New construction recently purchased | up to 40% |
| Age of home (5 yrs) | Newer homes | up to 26% |
| Bundle | Home and auto together | up to 25% |
| Upgrades | Electrical, plumbing, heating, roof updates | up to 20% |
| Hail-resistant roof | Class 1–4 impact roof | up to 12% |
| Claims-free | Multi-year claims-free history | up to 5% |
| Security / alarms | Monitored fire or burglar alarm | up to 4% |
| Paid in full | Pay annual premium upfront | up to 7% |
Discounts and their size vary by carrier. “Up to” marks the top of the range, not a guarantee.
What shapes home insurance prices in Bee Cave
A Bee Cave home insurance price comes from several connected factors underwriters weigh side by side. Deductible choice and past claims can change the final price as much as the carrier brand itself, while rebuild cost, roof age and material, and storm or wildfire exposure typically matter most.
Replacement cost is the cost to rebuild the home with like-kind materials at today’s labor and material prices. In Bee Cave, a larger rebuild estimate, the premium usually rises, since the carrier could owe more.
Frame or masonry walls, the roof covering, and overall build quality all shape how the property fares in the wind, hail, and fire common across Texas, so construction type and roof details count.
Similar Bee Cave houses with matching rebuild costs may still get different quotes because of location risk: scores for storms, hail, wildfire, and crime that change by ZIP code and neighborhood.
Underwriters grade fire protection by protection class and how far away hydrants and stations are; better protection tends to mean a better rate.
Claims history stays a major rating input: recent claims on the property or household often increase rates for Bee Cave renewals and new business quotes too.
Credit-based insurance score, where permitted by state rules, is another lever; better scores generally line up with lower premiums when the carrier relies on it.
Bundling home and auto in Bee Cave, TX
The amounts shown illustrate average bundle savings, not a promise. Actual savings come down to the carrier and the drivers.
| Place | 1-car bundle | 2-car bundle | 3-car bundle |
|---|---|---|---|
| Bee Cave, Texas | $258 | $436 | $636 |
Bee Cave neighborhoods
- Falconhead
- Terra Collinas
- Bella Collinas
- Enclave at Alta Vista
- Spanish Oaks
- Paseo
- The Uplands
- Mansions of Lakeway
- The Preserve at Barton Creek
Housing and weather facts for Bee Cave
The Census Bureau’s 2020–2024 American Community Survey counts about 4,283 housing units in Bee Cave, and homeowners occupy close to 49% of the occupied homes. Of all units, 52% are detached single-family houses and 48% are in buildings with two or more units.
Tornado history matters here as well: NOAA recorded 1 tornado starting within 10 miles of Bee Cave over 2016–2025, the strongest rated EF0 during April 2017.
NOAA storm records show 10 hail reports within about 5 miles of Bee Cave from 2016 through 2025; 6 were one inch or bigger. Top size was 1.5 inches in April 2024.
In FEMA’s National Risk Index, Travis County rates above the low end for hail (“Very High”), tornado (“Very High”), wildfire (“Relatively Moderate”), and winter-weather (“Relatively Moderate”).
Since 2000, Travis County has appeared in 15 major disaster declarations; the latest is Severe Storms, Straight-Line Winds, and Flooding (July 2025).
Half of Bee Cave’s homes were built in or before 2012. About 60% of homes went up in 2010 or later, so new-home and newer-roof credits come up often.
Home heating in Bee Cave runs mainly on electricity (68%), utility gas (20%), and propane or other bottled gas (12%). Propane tanks and wood stoves are worth mentioning on an application, because some carriers price or inspect them.
Bee Cave traces its official start to 1987. The Census Bureau counted 656 people in Bee Cave at the 2000 Census and 3,925 at the 2010 Census; its July 2024 estimate is 8,510. That is growth of roughly 1197% since 2000.
Earlier hail records help too: SPC data show 21 hail reports within 5 miles of Bee Cave between 1955 and 2015, the largest 2 inches on May 16, 1981. 1 of those reports were 2 inches or larger. NOAA Storm Prediction Center records list 10 tornadoes that began within 10 miles of Bee Cave from 1950 through 2015; the most powerful, rated F4, touched down on May 27, 1997. NOAA ties that tornado to 1 death and 5 injuries.
Comparing homes in nearby towns? We also have home insurance pages for Lakeway (4 mi), Steiner Ranch (6 mi), and West Lake Hills (9 mi).
ZIP codes we serve in and around Bee Cave
78738 · 78734 · 78736 · 78733
