Centex Insurance Solutions
551 S I-35 Frontage Rd, #300, Round Rock, TX 78664
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Round Rock households and business owners trust local agents to navigate carrier appetite shifts, underwriting requirements, and the claims process.
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551 S I-35 Frontage Rd, #300, Round Rock, TX 78664
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1970 Rawhide Dr, Suite 210, Round Rock, TX 78681
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555 Round Rock West Dr Suite: E 216, Round Rock, TX 78681
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555 Round Rock W Dr Suite E-216, Round Rock, TX 78681
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1000 Gattis School Road, Suite 250, Round Rock, TX 78664
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3309 Forest Creek Drive, #401, Round Rock, TX 78664
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1000 Gattis School Road, Suite 250, Round Rock, TX 78664
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1 Chisholm Trail Road, Ste 450, Round Rock, TX 78681
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109 South Harris St, Suite 100, Round Rock, TX 78664
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Learn about insurance coverage options specific to Round Rock residents.
Round Rock homeowners face severe hail and flooding risks. Learn how to protect your home with the right coverage, deductibles, and flood insurance options.
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Yes, standard homeowners insurance policies cover hail damage to your roof, siding, windows, and other structures. However, you'll typically have a separate wind/hail deductible—often 1-2% of your dwelling coverage—that you must pay before insurance covers the rest. Make sure your policy includes replacement cost coverage so you're not reimbursed for depreciated materials.
It depends on your property's location and flood zone designation. Standard homeowners insurance does not cover flooding, so if you're in a FEMA-designated flood zone or an area prone to flash flooding, you should seriously consider separate flood insurance through NFIP or a private insurer. Even if you're not required to carry it, flooding can happen in moderate and low-risk zones.
Texas homeowners insurance typically ranges from $1,000 to $4,000+ annually, depending on your home's value, age, coverage limits, deductibles, and claims history. Round Rock's exposure to hail and severe weather can push premiums higher than state averages. Shop multiple insurers, bundle policies, and ask about discounts for security systems or newer construction to get the best rate.
You become underinsured, meaning your policy won't cover the full cost to rebuild if disaster strikes. Round Rock's rapid property appreciation means many homeowners have outdated coverage limits. Review your policy annually and increase your dwelling coverage to match current construction costs, not just your home's purchase price or market value.
Always choose replacement cost coverage if you can afford it. Actual cash value reimburses you for depreciated materials—if your roof is 15 years old, you'll get paid for a 15-year-old roof. Replacement cost covers the full expense of rebuilding or replacing without depreciation, which is critical when facing $11,000-$15,000 average hail claims in Texas.
Absolutely. Bundling home and auto insurance typically saves 15-25%. Installing security systems, smart home devices, or impact-resistant roofing can earn additional discounts. Newer homes built to modern codes often qualify for construction-related savings. Maintaining good credit also significantly reduces premiums in Texas. Ask your insurer about all available discounts—they won't always advertise them.
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