Medical Service Plans
3620 E. Whitestone Blvd, Cedar Park, TX 78613
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3620 E. Whitestone Blvd, Cedar Park, TX 78613
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1903 Cypress Creek Road, Suite 102, Cedar Park, TX 78613
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1405 Arrow Point Drive Building 9, Suite 909, Cedar Park, TX 78613
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1405 Arrow Point Drive Bldg. 9, Suite 909, Cedar Park, TX 78613
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2301 S Bagdad Rd, Ste 302, Cedar Park, TX 78613
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2301 Bagdad Road, Suite 302, Cedar Park, TX 78613
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715 Discovery Blvd, Suite 413, Cedar Park, TX 78613
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921 W New Hope Dr Bldg 3, Ste 301, Cedar Park, TX 78613
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921 W New Hope Dr, Ste 501, Cedar Park, TX 78613
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Learn about insurance coverage options specific to Cedar Park residents.
Cedar Park home insurance averages $3,800-$4,100/year. Learn about hail risks, flood coverage gaps, and how to save on premiums in 2025.
Car InsuranceCedar Park drivers pay $1,648/year on average for auto insurance. Learn about Texas's 30/60/25 requirements, at-fault rules, and US-183A commuter coverage.
General Insurance EducationComplete insurance guide for Cedar Park, TX residents. Learn about auto requirements, hail protection, flood risks, and why rates are lower than Texas averages.
Cedar Park homeowners typically pay between $3,800 and $4,100 per year for home insurance, though rates vary widely by carrier, coverage limits, and your home's age and condition. Some residents are paying significantly more, especially after recent rate increases of 19-21% in 2023 and 2024. Shopping around and comparing quotes from multiple insurers is essential to finding the best rate.
Yes, standard homeowners insurance covers hail damage to your roof, siding, and other structures. However, many insurers in Cedar Park now require separate hail deductibles, often 2% or more of your dwelling coverage. On a $500,000 home, that's a $10,000 out-of-pocket cost before insurance kicks in. Always check your policy's hail deductible and consider negotiating for a lower amount or flat-dollar deductible.
If your home is in a Special Flood Hazard Area and you have a federally backed mortgage, flood insurance is required. But even if you're not in a high-risk zone, you should strongly consider it. Cedar Park sits in Flash Flood Alley, and standard homeowners insurance does not cover flooding. Flood policies through the NFIP average around $405 per year in moderate-risk areas and can prevent catastrophic financial loss from water damage.
Texas home insurance rates have surged due to severe weather losses, billion-dollar disasters, rising construction costs, and insurance fraud. Cedar Park's high hail risk makes it especially expensive to insure. Insurers have responded by raising premiums dramatically—21% in 2023 and 19% in 2024 statewide. Some Cedar Park homeowners have seen their premiums double in a single year, forcing many to shop for new coverage.
A hail deductible is a separate, often higher deductible that applies specifically to hail and windstorm damage. Instead of a flat $1,000 or $2,500 deductible, many Texas insurers use a percentage—commonly 1%, 2%, or even 5% of your dwelling coverage. On a $500,000 home, a 2% hail deductible means you pay the first $10,000 of damage yourself. Always review your policy to understand what your hail deductible is.
Shop around and compare quotes from multiple insurers—rates vary significantly. Bundle your home and auto insurance for discounts of 15-25%. Increase your deductible to lower your premium, but make sure you can afford to pay it. Install security systems, smart home devices, or impact-resistant roofing to qualify for additional discounts. Ask your agent about all available discounts and review your coverage annually to avoid overpaying.
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