Independent agents comparing homeowners quotes from 25+ carriers for Georgetown residents.
What home insurance costs in Georgetown
The typical homeowners insurance premium in Georgetown, TX is about $1,838 annually for a typical local home (typical local home value about $429,100). 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 41% lower — near $1,084 per year for a typical home, roughly $922 for a $300,000 home, about $1,297 for a $600,000 home, and around $1,687 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 Georgetown dwelling curve (typical local home value about $429,100). Illustrated estimates, not a quote.
Figures are 2026 market-style estimates for Georgetown, TX, using a typical local home value of about $429,100. Freedom figures apply an approximate 41% savings vs the local typical premium for illustration. Your quote depends on dwelling limit, roof, deductible, claims, and carrier. Not a guarantee.
What makes Georgetown, TX stand out
About 63,716 people live in Georgetown and sits in Williamson County, in the Austin metro area.
Georgetown is part of the Austin metro area, where everyday insurance shopping is driven more by home characteristics and carrier appetite than by any single landmark.
Local housing is a mix of single-family homes typical of Austin metro; replacement cost, roof age, and construction type still drive most premium differences block by block.
Central Texas pricing reflects hail, wind, and wildfire fringe risk in Hill Country and metro fringe areas.
Our Georgetown office is at 2803 Williams Drive, Suite 104, Georgetown, TX 78628. Call (800) 253-1482, or see the Georgetown office page.
The six parts of a home policy
It pays to rebuild your home’s structure after a covered loss, and it should track local rebuilding costs today.
This portion applies to detached features such as a garage, shed, fence, or similar buildings that are not attached to the main house.
Belongings such as furniture and clothing in the home are protected, but certain valuable items have lower limits.
When repairs after a covered claim make the house unlivable, this helps pay added costs like a rental or hotel.
Should you be held legally responsible for someone else’s injury or property damage from a covered event, it applies.
If a visitor is injured at your home, this covers medical costs, frequently with no formal liability claim.
Flood is a separate policy and is not included in the home policy. A percentage wind/hail deductible is a percent of the dwelling limit, not of the claim. Example, not a local rate: a 2% wind/hail deductible on a $300,000 dwelling is $6,000 out of pocket before the home policy pays that claim.
Common discounts for Georgetown, TX homeowners
| 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% |
Each carrier chooses its own discount menu and sizes. “Up to” marks the top of the range, not a guaranteed amount.
How Georgetown home insurance quotes differ
Georgetown homeowners are priced on several related factors that underwriters weigh when they build a quote. The deductible you choose and your claims history can move the final premium as much as the carrier brand itself, while rebuild cost, the roof’s age and material, and local storm or wildfire risk typically matter most.
Think of replacement cost as what rebuilding would cost your home using similar materials at current labor and supply costs. The carrier’s exposure follows the rebuild estimate, which is why bigger estimates on Georgetown homes usually mean a higher price.
Construction type and roof details matter as well: insurers ask frame versus masonry construction, the roofing material, and how solidly the home is built, since these factors decide how it fares in wind, hail, and fire events common across Texas.
Scores for storms, hail, wildfire, and crime feed into location risk, and they can shift from one Georgetown ZIP code or neighborhood to the next, so houses with comparable rebuild costs can still get different prices.
Underwriters grade fire protection by the local protection class plus the distance to hydrants and stations; better protection often brings lower pricing.
Claims history carries real weight: for Georgetown homes, claims in the last few years tend to increase pricing at renewal and on new quotes.
Credit-based insurance score also plays a role where it is permitted: companies that apply it usually charge less when scores are higher.
Georgetown, TX home & auto bundle savings
Illustrative average bundling savings, not a guaranteed quote. Actual savings depend on the carriers and drivers involved.
| Place | 1-car bundle | 2-car bundle | 3-car bundle |
|---|---|---|---|
| Georgetown, Texas | $258 | $436 | $636 |
Neighborhoods in Georgetown
- Summercrest
- Saint John Paul II Residence For Priests
- Riverhill
- Churchill Farms North
- Parkside Crossing
- Wolf Ranch-Hilltop
- Carlson Place
- Katy Crossing
- Stillwater
- Saddle Creek
- Saddlecreek
- Berry Springs
- Fairhaven
- Park Central
- Crystal Knoll
- Turtle Bend
- Estrella
- The Enclave
- Texas Traditions
- Country West
What public data says about Georgetown homes
Tornado history matters here as well: NOAA recorded 7 tornadoes starting within 10 miles of Georgetown between 2016 and 2025, with the strongest at EF1 in May 2018.
Home heating in Georgetown runs mainly on electricity (49%) and utility gas (49%).
NOAA’s Storm Events Database lists 61 hail reports within about 8 miles of Georgetown from 2016 through 2025; 44 were one inch or bigger. Top size measured 2.75 inches in September 2023 near Round Rock.
Named communities and subdivisions in USGS place-name records near Georgetown include North Georgetown, Serenada, Russell Crossing, Sun City, and Berrys Creek. Rates can still differ from one section to the next based on build era, roof, and fire protection.
Census survey estimates (ACS 2020–2024) show about 37,206 housing units in Georgetown, and owner-occupants live in roughly 69% of the occupied homes. Of all units, 73% are detached single-family houses and 22% are in buildings with two or more units.
FEMA’s National Risk Index flags hail (“Relatively High”), tornado (“Relatively High”), winter-weather (“Very High”), and strong-wind (“Relatively Moderate”) in Williamson County.
Since 2000, Williamson County has appeared in 9 major disaster declarations; the latest was Severe Storms, Straight-Line Winds, and Flooding (July 2025).
Half of Georgetown’s homes were built in or before 2008. Roughly 45% of homes went up in 2010 or later, and age-of-home discounts can matter here.
Georgetown was founded in 1848 and incorporated in 1866. The town is named for George Washington Glasscock. The Census Bureau counted 28,339 people in Georgetown at the 2000 Census and 47,400 at the 2010 Census; its July 2024 estimate is 101,344. Growth since 2000 comes to roughly 258%.
Older NOAA hail logs add more history: the Storm Prediction Center lists 36 hail reports within 5 miles of Georgetown between 1955 and 2015, topped by hail of 2.75 inches on May 2, 2007. Reports of 2-inch or bigger hail number 4 in that span. The NOAA Storm Prediction Center database shows 17 tornadoes that began within 10 miles of Georgetown from 1950 through 2015; the most powerful, rated F3, touched down on May 17, 1989. Along its full path, that storm was blamed for 1 death and 28 injuries.
Looking at neighboring communities? See our home insurance pages for Round Rock (10 mi), Brushy Creek (11 mi), and Leander (12 mi).
Where we write coverage around Georgetown
78626 · 78627 · 78628 · 78633 · 78665
See more Texas coverage guides
Georgetown, TX home insurance quotes
Freedom Insurance Group compares 25+ carriers for Georgetown residents. Reach us at (800) 253-1482 or begin a free home quote online.
