Compare homeowners insurance quotes in Round Rock, TX with Freedom Insurance Group. We check 25+ carriers and work with you to match coverage to the home or vehicles you actually own.
Average homeowners insurance cost in Round Rock, TX
| Home value tier | Market est. | FIG illustrated |
|---|---|---|
| Typical local home (~$418,600) | $1,814 | $1,070 |
| $300,000 dwelling | $1,562 | $922 |
| $600,000 dwelling | $2,198 | $1,297 |
| $1,000,000 dwelling | $2,860 | $1,687 |
The typical homeowners insurance premium in Round Rock, TX is about $1,814 annually for a typical local home (typical local home value about $418,600). 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 $1,070 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 Round Rock dwelling curve (typical local home value about $418,600). Illustrated estimates, not a quote.
Figures are 2026 market-style estimates for Round Rock, TX, using a typical local home value of about $418,600. 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.
About Round Rock, TX
Roughly 115,997 people live in Round Rock, located in Williamson County, part of the Austin metro area.
Round Rock sits in the Austin metro area, where day-to-day insurance shopping is driven more by the features of each home 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.
Why Round Rock home insurance prices vary
Insurers build a Round Rock home quote from several interlocking factors. The deductible you choose and your claims history can move the final premium as much as the choice of carrier, while rebuild cost, the roof’s age and material, and local storm or wildfire risk usually move the number most.
Define replacement cost as the price of rebuilding the house with comparable materials at current labor and supply costs. Since the carrier’s maximum payout rises with the rebuild estimate, larger figures for Round Rock properties tend to push up premiums.
Construction type and roof details play a role too: frame versus masonry walls, roofing material, and overall build quality all affect how a property holds up in wind, hail, and fire scenarios common across Texas.
Location risk captures storm, hail, wildfire, and crime scores that can change by ZIP code and neighborhood within Round Rock, so two homes with similar rebuild costs can still get different prices.
A solid fire protection profile based on close hydrants, a nearby station, and a good protection class tends to make a quote more competitive.
A recent claim on the property or by the household may lift rates whether a Round Rock policy is renewing or new, because claims history remains a major rating input.
If state law permits, insurers may apply a credit-based insurance score, and a higher score usually means a lower premium.
Home insurance discounts in Round Rock, 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 are not uniform across carriers, and sizes vary. “Up to” marks the top of the range, not a guarantee.
How a homeowners policy is built
- Dwelling (A): Following a covered loss, this coverage rebuilds the house itself; set it to match today’s local rebuild costs.
- Other structures (B): This part protects detached features such as a garage, shed, fence, or similar buildings that stand separate from the main house.
- Coverage C, personal property: This covers furniture, clothing, and everyday belongings inside the home, with special limits that can apply to higher-value categories.
- Loss of use (Coverage D): If a covered claim forces you out during repairs, it can cover additional living expenses.
- Personal liability (E): It responds when you are legally responsible for bodily injury or property damage to others arising from a covered incident.
- Medical payments (F): Medical bills for guests injured on your property, usually handled without a formal liability claim.
Round Rock, TX bundling home and auto
The amounts shown show average bundling savings, not a promise. Actual savings depend on the carriers and drivers involved.
| Place | 1-car bundle | 2-car bundle | 3-car bundle |
|---|---|---|---|
| Round Rock, Texas | $258 | $436 | $636 |
Areas of Round Rock
- Turtle Creek Village
- The Creeks
- Mercer
- South Creek
- Rubio
- Old Round Rock
- Chandler Crossing
- The Settlement
- Villages of Chandler Creek
- Homestead at Old Settlers Park
- Round Rock Glen
- Meadow Lake
- Cimarron
- Eagle Ridge
- Lakeside
- Lake Forest
- Indian Ridge
- Stoney Brook
- Estates at Settlers Park
- Teravista
What public data says about Round Rock homes
Round Rock’s median year built is 2002. About 28% of homes went up in 2010 or later, so new-home and newer-roof credits come up often.
From 2000 on, Williamson County has been part of 9 major disaster declarations; the most recent is Severe Storms, Straight-Line Winds, and Flooding (July 2025).
NOAA storm records show 68 hail reports within about 7 miles of Round Rock from 2016 through 2025, 59 of them one inch or larger. Top size measured 4 inches in September 2023 around Round Rock.
ACS 2020–2024 estimates put about 51,143 housing units in Round Rock, and owner-occupants live in close to 56% of the occupied homes. Of all units, 64% are detached single-family houses and 33% are in buildings with two or more units.
For heat, Round Rock households mostly rely on utility gas (50%) and electricity (47%).
The National Risk Index from FEMA shows elevated ratings for hail (“Relatively High”), tornado (“Relatively High”), winter-weather (“Very High”), and strong-wind (“Relatively Moderate”) in Williamson County.
Tornadoes are part of the picture too: NOAA lists 4 tornadoes touching down within 10 miles of Round Rock over 2016–2025, with the strongest at EF2 in March 2022.
By the historical record, Round Rock was incorporated in 1913. Census counts put Round Rock at 61,136 residents in 2000 and 99,887 in 2010, and the Census Bureau’s July 2024 estimate is 135,359. Growth since 2000 comes to roughly 121%.
Earlier hail records help too: the Storm Prediction Center lists 43 hail reports within 5 miles of Round Rock between 1955 and 2015; the biggest stones, 4 inches, fell on May 14, 2008. 7 of those reports were 2 inches or larger. Federal tornado records from NOAA’s Storm Prediction Center list 25 tornadoes that began within 10 miles of Round Rock from 1950 through 2015; the strongest was an F3 on April 7, 1980. That tornado’s record lists 1 death and 5 injuries.
Comparing homes in nearby towns? We also have home insurance pages for Brushy Creek (5 mi), Wells Branch (6 mi), and Pflugerville (7 mi).
ZIP codes we insure in and around Round Rock
78664 · 78665 · 78680 · 78681 · 78682 · 78683 · 78728
Other Texas coverage resources
Get home insurance quotes in Round Rock, TX
Round Rock homeowners get quotes from 25+ carriers through Freedom Insurance Group. To get started, request a home quote online or dial (800) 253-1482.
