Georgetown, TX Homeowners Insurance

Established in 1848, Georgetown, Texas has over 180 homes listed in the National Register of Historic Places. Recently named “the fastest growing city in the U.S.,” Georgetown is home to over 71,000 residents. It’s the perfect balance of “small city charm” with all the conveniences of a larger city. Many that relocate from larger cities would be happily surprised by the variety of shopping, health care, and entertainment available in the city.

Georgetown is considered to be one of the most beautiful cities in Williamson County. Residents who live in one of the city’s restored Victorian homes or new Tuscan villas can cherish a walk along the San Gabriel River banks or play golf on one of the five local golf courses. Mountain bike trails around Lake Georgetown lead cyclists to the edge of Texas Hill Country. The homeownership rate in Georgetown, TX is 73.7%, higher than the national average of 63.9%.

Are you looking for the cheapest home insurance in Georgetown? Take a look at the overview below, comparing typical homeowner insurance premiums from various providers by different factors to ensure that you choose the most appropriate coverage for you. Remember, your homeowners insurance rate depends on your policy limitations and other factors.

How Much Does Home Insurance Cost in Georgetown?

Homeowners Insurance: Georgetown Rates Vs. State + National Averages

Georgetown Average (Annual) Texas Average United States Average
$1,460 $3,468 $1,548

Georgetown Homeowners Insurance by Insurance Company

The rates of homeowners insurance in Georgetown vary from one insurance provider to another. Texas Farmers has the most affordable homeowners insurance in Georgetown at an average of $230 a year, which is cheaper than the city’s average premium of $1,460.

Start looking for a home insurance policy by checking out the cheapest insurers in Georgetown, Texas listed below.

Affordable Homeowners Insurers in Georgetown

Company Average Annual Rate
Texas Farmers $230
Safeco $1,100
Travelers $1,260
United $1,280
State Farm $1,520

Georgetown Average Homeowners Insurance Rates by Coverage Level

How much you spend on home insurance coverage is significantly affected by the amount of coverage you choose. In Georgetown, carrying a $100K of housing coverage costs an average premium of $660 per year, while carrying up to $400K of dwelling coverage costs $3,000 per year.

 Homeowners Insurance Rates in Georgetown—Popular Coverage Limits

Coverage Level Average Annual Rate
$100K Dwelling $660
$200K Dwelling $1,200
$250K Dwelling $1,800
$400K Dwelling $3,000

Georgetown Home Insurance Rates by ZIP Code

Homeowners insurance costs may vary based on where you live in Georgetown. The neighborhood you live in has a significant impact on how much you pay to insure your home. Policies are often priced on local variables, such as the number of claims filed in the immediate area. 

If you’re looking for the cheapest home insurance price in Georgetown, check out Weir (ZIP code: 78626), which is usually only $1,134 per year on average. Found below are the most affordable Georgetown homeowners insurance by ZIP code.

Cheapest Areas for Homeowners Insurance in Georgetown

ZIP Code Average Annual Home Insurance Rate
78626 (Weir) $1,134
78627 (Georgetown) $1,360
78628 (Sun City) $1,492

On the other hand, other areas of Georgetown have homeowners insurance rates more than the city average. Such places are considered to have a higher probability of risks such as severe weather and fires. Similarly, they may also have a higher crime rate, such as burglary or vandalism. The most expensive ZIP code for homeowners insurance in Georgetown is in Round Rock (ZIP code: 78665), where the average rate per year is $1,756.

Expensive Areas for Homeowners Insurance in Georgetown

ZIP Code Average Annual Home Insurance Rate
78633 (Serenada) $1,645
78665 (Round Rock) $1,756

Catastrophes In Texas and the US

  • National number of catastrophes: 19,030
  • Number of catastrophes in Texas: 1,930
  • National number of tornadoes: 1,230
  • Number of tornadoes in Texas: 220
  • National property damage from weather: $5,511,275,000
  • Property damage from weather in Texas: $1,026,153,000

This entire Georgetown region is vulnerable to windstorm destruction, both from tornadoes and major storms that run up from the Gulf Coast. While the region has a humid subtropical climate, there are occasional hail storms and freezes. Area springs often flood after heavy rainfall. Unique natural hazards, such as wildfires and earthquakes, are not usually covered in standard homeowners insurance; however, you can purchase additional insurance coverage for your policy.

Georgetown Home Insurance Rates by Deductible Amount

One of the considerations property owners have when looking at homeowners insurance in Georgetown is the cost of the premium. Homeowners deductible plays a role in determining this amount. A deductible is out-of-pocket money the insured would pay as a participation fee when filing for a claim.

Simply put, having a higher deductible amount means a lower insurance premium. Remember to choose the deductible that you can afford in case of an insured loss.

Here are the standard deductible plans provided by most home insurance providers in Georgetown and the associated overall insurance premiums.

Home Insurance Rates by Deductible Amount in Georgetown

Deductible Level Average Annual Homeowners Insurance Rate
$500 $1,370
$1,000 $1,460
$1,500 $1,490
$2,000 $1,575
$5,000 $1,663

Georgetown Home Insurance Coverage Options

Buying homeowners insurance doesn’t have to be daunting and frustrating. Below, find some details on the type of insurance coverages and what they’re used for:

  • Dwelling Coverage: This is your standard insurance policy, and it covers your property’s physical structure.
  • Personal Property Coverage: You want personal property coverage for your belongings, whether inside or outside your home.
  • Liability Protection: Liability protection covers you in case someone is hurt on your property, or you damage another person’s property.
  • Guest Medical Protection: This coverage is specifically to cover people who are injured on your property.

Georgetown Best Home Insurance by Company

Price is one factor property owners often consider when shopping for homeowners insurance. The insurer’s financial stability is also a critical consideration because it demonstrates its potential to handle claims. Always review the AM Best Financial Rating, the Better Business Bureau’s Rating, and J.D. Power Raking for home insurance.

Company A.M. Best Rating BBB rating J.D. Power Ranking
Allstate A+ (Superior) A+ 5 out of 5 stars
Amica A++ (Superior) B- 5 out of 5 stars*
Liberty Mutual Not rated A 3 out of 5 stars
State Farm A++ (Superior) A++ 3 out of 5 stars
Texas Farm Bureau Insurance A+ (Superior) A 3 out of 5 stars

Top Home Insurance Agents Near Georgetown, TX

Home Insurance Company Near Georgetown, TX Address
Nationwide Insurance Jesse Arthur Walls Agency 601 Quail Valley Dr, Georgetown, TX 78626
Stephanie Featherstone – State Farm Insurance Agent 950 W University Ave #209, Georgetown, TX 78626
Farmers Insurance – Janna Briggs 1112 W University Ave, Georgetown, TX 78628
Bryan E. Jamison: Allstate Insurance 1616 Williams Dr # 100, Georgetown, TX 78628
Evans Ewan & Brady Insurance Agency 2404 Williams Dr, Georgetown, TX 78628

Money-Saving Tip: Bundle Homeowners and Auto Insurance in Georgetown

If saving money is a concern for you,  buying policies for your homeowners insurance and vehicle insurance from the same provider will help. Bundling policies in Georgetown could lead to an average annual savings of 7%.

Cheapest Bundle of Home Insurance and Auto Insurance in Georgetown

Company Avg. Annual Auto Insurance Rate (With Bundle)
State Farm $1,094
USAA $1,145
Progressive $1,220
Allstate $1,395
GEICO $1,458

Georgetown Homeowners Insurance Resources for Residents

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Georgetown, TX Homeowners Insurance FAQs

If you borrowed from a mortgage lender, they would demand that you have homeowners insurance to secure their investment. Typically, if you’re renting, you don’t need to pay for home insurance, so you may need material protection instead to help offset the expense of repairing your stuff if you suffer a loss.

Insurers describe accidental damage as an unintended one-off occurrence that affects the property or its contents. Some basic plans cover main things such as home television and other appliances, but various exclusions may depend on the insurer.

Your need depends on your circumstances–many accidental claims for damages come from people with young children.

It is also essential to know what is covered by your standard policy. Checking out the small print is the best way to make sure you have the right coverage.

No, unless this is a specific requirement of your mortgage contract. By being the only insurer offering you home insurance coverage when you arrange your mortgage, there’s less need for your insurance policy to be competitively priced.

As a rule of thumb, anything you would want to take from home with you should be included in your content coverage–even things such as curtains and carpets. It’s worth taking the time to go through the house from room to room and place a fair value on everything. It’s easy to underestimate the importance of your material things, so make sure that you’re not under-insured.

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