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Home Insurance in Bee Cave, TX
What Bee Cave houses look like on paper, including age, type and value, and how each detail feeds into a homeowners quote.
What Bee Cave housing looks like
The owner-occupancy rate is around 49%, and roughly 52% of all units are stand-alone single-family homes. With about 43% of units in buildings of five or more, many residents need HO-6 or renters coverage rather than a full homeowners policy. Renters are the majority here, so investors should look at landlord forms and tenants at renters insurance for their belongings and liability.
How age and construction affect a Bee Cave quote
Line up every home in Bee Cave by age and the one in the middle was built in 2012. Roughly less than 1% of the housing stock predates 1980 and 87% is from 2000 onward. With so much newer housing, ask carriers whether they offer a new-construction credit and how long it lasts.
$3,108/yr
About $259/mo · ~$300k-$400k dwelling class
$1,793/yr
About $149/mo after modeled shopping discount
About 42.3% below local market estimate
Setting the dwelling limit in Bee Cave
The median owner-estimated home value in Bee Cave is $776,400. That is well above the Travis County median of $523,000. Keep in mind that Coverage A should follow rebuilding cost, not sale price, since the lot itself does not burn or blow away.
What each coverage does for Bee Cave owners
Pays to rebuild the house itself. Set it from a replacement-cost estimate, not the sale price or tax value.
Anything not attached to the house, such as fences, carports and barns.
Contents coverage, with special lower limits for jewelry, firearms and collectibles unless scheduled.
Hotel, meals and other added costs while the home is uninhabitable after a covered claim.
Legal defense and damages if someone is hurt on your property or you damage someone else’s.
Guest medical coverage that can head off a liability claim.
Weather backdrop for Bee Cave
FEMA’s National Risk Index rates overall natural-hazard risk in Travis County as relatively high. The individual hazards that stand out are hail (very high), tornadoes (very high) and inland flooding (relatively high). NOAA’s Storm Events Database logs 152 hail reports in Travis County from 2016 through 2025. In 121 cases the hail was an inch across or bigger. The top report was 3-inch hail on September 24, 2023.
Travis County is outside TWIA’s designated catastrophe area, so wind and hail are normally covered by the homeowners policy itself, often with a separate percentage deductible. You can check your flood zone by address at the FEMA Flood Map Service Center.
Where to look up your Bee Cave home
Insurers often check the appraisal district record, so confirm that what the Travis district shows at www.traviscad.org matches your home. The district office address is 850 E. Anderson Ln. Austin, TX 78752.
The county for Bee Cave is Travis County. In the federal metro delineation, Travis County anchors the Austin-Round Rock-San Marcos metro. Austin is the closest larger city, roughly 12 miles away, with Bee Cave to its west.
FAQ: Bee Cave home insurance
Why do insurers ask when my Bee Cave home was built?
Census estimates put the median build year at 2012, with about less than 1% of homes older than 1980. Recent construction usually prices well, though rebuild costs for newer finishes can be high.
What coverage do landlords and tenants need in Bee Cave?
Renters occupy about 51% of homes in Bee Cave. Landlords generally need a DP-1, DP-2 or DP-3 dwelling policy, and tenants need renters insurance, because the landlord’s policy does not cover a tenant’s belongings.
Is homeowners coverage mandatory for Bee Cave homeowners?
No Texas law requires it, but mortgage lenders almost always do, and they can buy costly force-placed coverage if your policy lapses.
How much dwelling coverage do Bee Cave homes need?
Enough to rebuild, which is not the same as market value. Census data puts the Bee Cave median at $776,400, but your dwelling limit should equal what it would cost to rebuild the house at today’s labor and material prices.
Compare Bee Cave home insurance quotes
Texas Insurance Resources shops multiple carriers for you. Call 800-875-4711 or start online.
Sources and methodology
Public data current as of October 2026; Census figures are survey estimates. Premium figures in the estimate cards are illustrative models, not quotes.
- County and state comparisons: Travis County value, Travis County build year
- Census Bureau ACS five-year data, Bee Cave city: structure type, population, home value, tenure, median year built, year built
- FEMA NRI county ratings, Travis County
- Texas Comptroller regions
- Storm Events Database (NOAA), Travis County
- Census CBSA delineation
- Census Gazetteer coordinates
- Texas Windstorm Insurance Association
- Comptroller CAD listing, Travis County