Frisco Insurance Rates:

Frisco, TX home insurance is approximately $936 to $1,271, about $78-$105/month. Our detailed guide shows customers can save as much as $441 by getting multiple quotes

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Frisco Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
USAA group
Home Insurance Rate of $2520/5 months for $600000-$700000 Coverage
Policy Holder Home Details :

Home Value : $515,000

5 Beds, 5 Baths 4540 sqft Primary Residence Constructed In 2014 with Ceramic Tile Flooring, Membrane Roof, Crawl Space Foundation, Wood siding, Wood Frame. Home Features Include Fireplace, Swimming Pool, Fire Extinguisher, Smoke Alarm, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

51 Years old Single Male who is Unemployed with household income of less than $25,000 and has 2 Pets and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 650-699 Credit Score

Home Insurance Rate of $1730/5 months for $600000-$700000 Coverage
Policy Holder Home Details :

Home Value : $525,000

5 Beds, 5 Baths 3490 sqft Vacation Property Constructed In 2011 with Wood Flooring, Wood Shake Roof, Piers Foundation, Vinyl siding, Wood Frame. Home Features Include Indoor Sprinklers, Central Air Conditioning, Deadbolt Locks, Swimming Pool, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

68 Years old Divorced Female who is Retired with household income of less than $25,000 and has More than 3 Pets at home and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 750-799 Credit Score

Home Insurance Rate of $1520/12 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $265,000

5 Beds, 5 Baths 2240 sqft Primary Residence Constructed In 2002 with Stone Flooring, Wood Shake Roof, Crawl Space Foundation, Stucco siding, Metal Frame Construction. Home Features Include Central Air Conditioning, Copper Water Pipes, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

37 Years old Married Female who has a Full Time Job with household income of $50-$75,000 and has 1 Pet and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 800-850 Credit Score

  • Guests at home

Home Insurance Rate of $670/5 months for $150,000-$175,000 Coverage
Policy Holder Home Details :

Home Value : $205,000

2 Beds, 2 Bath 1710 sqft Primary Residence Constructed In 2000 with Ceramic Tile Flooring, Slate Shingles Roof, Piers Foundation, Brick siding, Wood Frame. Home Features Include Copper Water Pipes, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

23 Years old Married Female who is Unemployed with household income of less than $25,000 and has More than 3 Pets and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • Up to 499 Credit Score

  • Guests at home

Frisco, TX Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
75034 $282,500 $1,140
75035 $214,200 $1,100

Frisco Rates & Quotes Analysis:

Frisco Area Estimated House Insurance
Lenox Ln, Emerald Lake Ln, Valley Mills Dr, Marlar Ln, Morgan Hill Rd, Chamber Hall Dr, Spruce St, Gunnison Trl, Seahawk Dr, Tahoe Trl$1,060
Rhinelander Dr, Purdue St, Beachwood Dr, Duce Creek Dr, Foutch Rd, Meadow Vista Cir, Persimmon Ln, Trail View Ln, Fountainbleau Ln, Balcones Dr$1,145
Slay Dr, Cotton Trl, Coldstone Dr, Harris Plz, FM 455, FM 455 E, Mill Town Dr, Dane Rd, Selma Ln, Mages Dr$1,092
Pelican Dr, Walker Dr, Pawnee Ln, Joy Dr, Tucson Dr, Roadster Dr, Venetian Way, Navarro Way, Indian Trl, Glenturret Cir$1,032
Remington Ln, Stardust Dr, Ducks Lndg, Wetland Dr, Country Glen Trl, Lake Ridge Dr, Sugartree Ln, Merrell Cir, Kennsington St, Jennings Cir$1,034
Loving Trl, Cortez Ct, Lancashire Ln, E Rosson Rd, Norcross Dr, Turnstone Trl, Dawn Spring Dr, Glenbrooke Dr, W Rosson Rd, Apache Dr$1,060
Osburn Rd, Briar Hollow Ln, Hillsdale Ln, Mountain Valley Dr, Debbie Ln, Flamingo Ct, Southern Pines Ct, Sandy Creek Dr, Montwood Dr, Manitou Dr$1,087
Truitt Cir, Stagecoach Way, Harbor Hideaway, Goodman St, Nighthawk Dr, Cabbot Ct, Cross Bend Cir, Brighton Ln, Thistlewood Ln, Columbus Dr$1,119
Gannet Dr, Sandstone Dr, Revolution Way, Cedar Falls Dr, Turnstone Dr, Luton Dr, Evening Mist Dr, Natural Bridge Dr, Indigo Sky Dr, Fargo Dr$1,122
Brittany Ct, Watkins Dr, Blalock Dr, 4th Army Memorial Rd, Crystal Falls Dr, Concord Ln, Fritcher Rd, Cattail Ct, Millstream Dr, Siena Dr$1,064

Insurance rates are influenced by a number of factors including:

  • Year Built: 820 Homes (1% of total) built between 2010 or later in Frisco are paying home insurance between $883-$993 in contrast with Prosper (+$41), Hebron (+$17), Fairview (+$19), McKinney (-$24) and The Colony (-$19).
  • Bedrooms: 6,916 5 or more bedrooms homes (16% of total homes ) in Frisco are paying about $1,600. Areas near to Frisco such as Prosper, Hebron, Celina are costlier by $64, $21, $18 respectively whereas McKinney and The Colony are more economical by $54, $33 respectively for similar homes.
  • Auto Insurance Bundling: 6,198 Households (20% of all households) in Frisco have 3 or more vehicles available and when it is bundled with home insurance you can save $276. Discounts for similar bundling in close by locations such as McKinney, The Colony, Hackberry come to $268, $270, $258 respectively.
  • Senior Discounts: 7,150 seniors (more than 55 years) occupied housing units (23% of total) in Frisco get discounts between $165 to $167. The comparative concessions in proximate regions such as McKinney, The Colony and Hackberry are $161, $162 and $155 respectively.
  • New Homes discounts: New homes such as the 37,945 homes built between 2000 to 2009 in Frisco can save $220 and varies from McKinney ($214), The Colony ($216), Hackberry ($207).

Frisco Homeowners insurance Facts

  • Frisco, TX has 30,680 owner occupied houses which is 77.5% of all units whereas McKinney, The Colony and Hackberry have 71.06%, 81.86% and 81.36% respectively.
  • Frisco, TX homeowners yearly insurance price at $1,104 is 0.44% of the typical house value of $249,000 which is in contrast with 0.55% in McKinney, 0.52% at The Colony & 0.81% in Hackberry.
  • Homeowners in Frisco, TX pay 1.64% of their income ($60,000 to $74,999) in insurance whereas homeowners in McKinney, The Colony and Hackberry pay 1.59%, 1.6% and 1.53% respectively.
  • Frisco, TX’s insurance is 4.2% of monthly housing costs of $2,213/month, for owners with a mortgage compared to 4.74% in McKinney, 4.61% at The Colony & 5.67% in Hackberry. But, for households without a mortgage, insurance is 11.8% of costs ($783 in Frisco, TX) in contrast with 12.54% in McKinney, 13.41% at The Colony & 20.29% in Hackberry.

Frisco, TX Home Values & Insurance rates

For example, insurance for 987 Homes (3.0% of total homes ) valued between $125,000 to $149,999 in Frisco, TX is about $607. Rates in nearby areas in such as Prosper, Celina, Fairview are cheaper by $145, $49, $77 respectively while McKinney and The Colony are costlier by $134 and $106 respectively for similar homes.

Frisco, TX Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 263 1.0% $110
$100,000 to $124,999 458 1.0% $485
$125,000 to $149,999 987 3.0% $607
$150,000 to $174,999 3,328 12.0% $717
$175,000 to $199,999 3,612 14.0% $828
$200,000 to $249,999 6,477 25.0% $993
$250,000 to $299,999 4,734 18.0% $1214
$300,000 to $399,999 5,489 21.0% $1545

Renters Insurance in Frisco

  • Average Renters Insurance in Frisco :  $102($8/month)

  • Median Gross Rent in Frisco :  $1,195

  • Frisco Renters Insurance to Median Rent Ratio:  0.67%

  • Renter occupied housing units in Frisco :  8,932

Frisco Renters Insurance as a Percentage of Rent

Frisco Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$300 to $499 168 1.0% $1225
$500 to $749 403 4.0% $1900
$750 to $999 1,773 20.0% $2650
$1,000 to $1,499 3,678 42.0% $3775
$1,500 or more 2,481 28.0% $5425

Protective device discount in Frisco Up to :  $15

Claims-free discount in Frisco Up to :  $20