Home Insurance Round Rock TX

Round Rock, Texas is part of Williamson County, Texas, which is included in the Austin metropolitan area. Located just 20-miles north of Downtown Austin, Round Rock is famous for its outdoor activities and historic sites. Interestingly Round Rock is named for a large stone in Brushy Creek, which marks the site where settlers crossed with their wagons in the 19th century.

Home Insurance Round Rock TX

In 2008, Money Magazine named Round Rock as a “Top 10” small city for a living (number 7). In 2009, a CNN article also listed Round Rock as the second fastest-growing city in the country. The most famous business that calls Round Rock home is Dell Technologies, with over 16,000 employees located at their headquarters. Other companies in Round Rock include IKEA, Round Rock Premium Outlets, Sears Customer Care, Toppan Photomasks, Emerson Process Management, Dresser, and Cerilliant Corporation. Round Rock is also proud to be the home of the Round Rock Express, which is a Class AAA Pacific Coast League minor league baseball team.

In the thriving city of Round Rock, Texas, the residents recognize the need for home insurance from a top-rated insurance company. This is where Germania Insurance can help. Germania Insurance has been quietly serving Texas homeowners and property owners for decades – it is the quality insurance Texans have come to know and trust for their home insurance needs.

So if you live in or around Round Rock, TX, and need the best home insurance tailored specifically for Texans, Germania Insurance has you covered.

What is the Difference Between Homeowners Insurance and Home Insurance?

Most insurers offer homeowners insurance, which refers to a specific type of property insurance that covers your house (dwelling), personal property, and includes liability insurance as well.

Instead of the one-size-fits-all coverage that some carriers have, Germania provides home insurance through our Property Policy, which can be customized through endorsements, or add-ons, to serve a variety of needs. This means you can tailor your policy to resemble traditional homeowners insurance, or build a policy with coverages that homeowners insurance may not typically include.

What Does Home Insurance Cover?

With the help of your local Germania agent, you can build a home insurance policy that meets your needs. From a basic named-peril policy to an open peril policy, from actual cash value to replacement cost, we can provide the coverage you want and need for your dwelling, roof, other structures, contents, outbuildings, and more.

  • Perils (Causes of loss) – In insurance terms, a “peril” is an event, like a fire or tornado, that threatens to damage your home or your personal belongings. Germania’s home insurance can be tailored to cover Fire, Windstorms, hurricanes and Hail, Vandalism, Theft, Frozen Plumbing, Water, Lightning, Explosions, Falling Objects, Smoke Damage, and more. Talk to your Germania agent for a full list of policies and peril coverage options.
  • Liability Options – Instead of automatically packaging liability coverage with your property insurance, Germania provides a number of customizable liability insurance policies, endorsements, and coverage limits you can purchase with your Home Insurance. Whether you need personal liability, farm liability, or even umbrella liability coverage, we can help protect you and your family from the unexpected.
  • Roof Coverage – Germania provides the option to insure your roof with replacement cost coverage or actual cash value throughout the life of your roof. We will not automatically reduce your roof coverage as your roof ages, unlike most competitors.
  • Sewer Backup – Germania provides sewer backup coverage up to the total dwelling limit, subject to policy exclusions and conditions, and does not impose a separate coverage limit like other carriers.
  • Gun Coverage – For many Texans, firearms are an important part of life. That’s why Germany doesn’t impose a separate sub-limit on firearms, like other carriers. Our policyholders have coverage for loss to their firearms up to the Coverage B – Unscheduled Personal Property (Contents) limit, subject to the deductible.
  • Fraud Protection – Identify theft is costly. That’s why we offer optional identity recovery coverage up to $25,000 if your identity is ever stolen.

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