Round Rock, TX
Rental property insurance for Round Rock landlords
What Round Rock landlords should know before insuring a rental. A quote is not a binder.
Owners who rent out property in Round Rock, Williamson County, are working in a market where 44% of occupied homes are rentals. The city counts about 135,359 residents; Texas as a whole has a renter share of 37%.
Round Rock at a glance for landlords
| Measure | Round Rock | Texas |
|---|---|---|
| Renter-occupied homes | 44% (21,631) | 37% |
| Median owner-occupied home value | $418,600 | $283,800 |
| Median gross rent | $1,763/mo | $1,403/mo |
| Median year structure built | 2002 | 1992 |
| Homes in 2–4 unit buildings | 5% | 5% |
| Single-family homes (detached or attached) | 67% | 67% |
Data: Census ACS 5-year estimates for 2020–2024 via Census Reporter, and Census Vintage 2024 population estimates.
Setting coverage on a Round Rock rental
At a median home value of $418,600, Round Rock is higher than Texas overall ($283,800). Underwriters care about replacement cost rather than sale price, so bring square footage, construction type, and update history to the conversation.
If your rental is insured somewhere around Round Rock's median, the closest NAIC benchmark is the $400,000–$449,999 band, where the 2023 Texas dwelling-fire average was $2,347. The all-amounts state figure was $1,226.
Fair rental value coverage for Round Rock units
Median gross rent in Round Rock is about $1,763 a month. A year of lost rent at that level is roughly $21,156 per unit, a useful yardstick when you choose fair rental value coverage.
How old Round Rock's housing is, and why it matters
Round Rock has relatively new housing, with a median year built of 2002. Newer construction often prices well, though insurers still ask about roof material and any prior water claims.
Types of rental property in Round Rock
Round Rock's housing is mixed: about 67% single-family, 5% in 2–4 unit buildings, and 28% in buildings of five or more units. Dwelling forms fit up to four units; larger buildings need commercial apartment coverage.
Round Rock next to other Texas rental cities
Nearby Houston reports 58% renter households and a $277,800 median home value, so proportionally more renters than Round Rock. San Antonio has a renter share of 48% with homes valued around $235,700 at the median. For comparison, Dallas comes in at 58% rented and $320,700 median value, with median rent of $1,472. By renter share, Round Rock is number 14 on our list of 30 Texas cities. Roughly 28% of homes in Round Rock are in buildings of five or more units, the point where most owners move to commercial apartment policies.
Round Rock weather exposures that affect landlord claims
In Round Rock, think about hail, especially across North and Central Texas first, then wind and hurricane exposure near the Gulf coast. Both appear frequently in Texas property claims and can change which policy form and deductible make sense.
Hazard themes reflect FEMA’s National Risk Index and NOAA’s Storm Events Database; check the index for your specific county.
Your Round Rock quote checklist
- Any system updates, with years
- Prior carrier, expiration date, and five-year loss history
- Mortgage company details, if financed
- How much liability and lost rent you want covered
- Street address in Round Rock and number of units
- When the building went up and when the roof was last replaced
- Lease type and whether the unit is ever empty
Request a Round Rock landlord quote
Questions from Round Rock rental owners
How many renters live in Round Rock?
About 44% of occupied homes in Round Rock, roughly 21,631 households, are renter-occupied according to the 2020–2024 American Community Survey.
Do Round Rock landlords have to carry insurance?
Texas law does not require landlord insurance, but lenders usually require property coverage, and many leases, HOAs, and property managers require liability coverage.
What is a typical landlord premium in Round Rock?
It depends on the building, coverage, and deductible. For background, the NAIC reported a 2023 Texas dwelling-fire average of $1,226; see our Texas page for the full table.
Other Texas cities
Landlord insurance in Texas · Cost by state
Last updated October 15, 2026. Sources and method: how we research.