Frisco Insurance Rates:

Frisco, TX homeowners 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. Enter your zipcode below and click “GO” to get multiple free quotes.

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What is the Average Home Insurance Cost in Frisco, TX

The average cost of home insurance in Frisco, Texas, is $2209. Texas is known for its erratic weather, which means you and your home are at risk of several disasters. Your home is likely to be the biggest and most significant financial investment you make in your lifetime. The right homeowner's insurance in Friso, Texas, will help you protect one of your most important assets. A homeowner or property insurance in Frisco, TX, helps ensure the investment you made to protect your home and family if something unexpected happens on the property. It also covers liability coverage. This coverage offers protection to you or other members of your household if someone is injured while on property.

The cost of homeowners insurance is determined after scrutinizing certain factors. These include the age of the house, claims history, coverage level, deductible, location, ZIP code, and others. Below are a few factors to get low priced home insurance in Frisco, Texas.

a. Multi-Policy insurance

If you have several exposures to risk that are typically covered separately, a multi-policy insurance contract gives you the option of getting them all under one policy. This means homeowners can have one insurance policy instead of multiple ones, and you might be eligible for a premium discount. Insurance providers offer discounts is because the company is generating revenue from a single customer, which saves them their time and money. Homeowners can receive home insurance for $1811.38 after opting for multi-policy insurance.

b. Claims history

The more claims you have on your document, the harder it may be to find reasonable and reliable coverage in Frisco. Many insurance providers increase insurance rates or limit coverage if your home has a history of recent losses. Homeowners in Frisco with zero claims history have to pay a premium of $1921.83, whereas homeowners with one or two claims have to pay $2385.72 and $2474.08 on homeowners insurance in Frisco, Texas. Homeowners with a clean track record can save up to $287.17 on home insurance in Frisco, TX.


c. Safety features

Most home security systems, including wireless alarms and keyless entry locks, can help you save money on your homeowner's insurance in Frisco, TX. For instance, homes equipped with smoke detectors and sprinkler systems pay $1988.1 and $2054.37 on home insurance in Frisco, TX.

Frisco, TX, Best Home Insurance Companies

The average cost of home insurance in Frisco, TX, ranges between $936 to $1,271. Frisco homeowners tend to choose home insurance companies based on how reasonably priced their quotes are. However, homeowners should also consider other factors such as claims processing speed, customer service, and availability of discounts before choosing the home insurance company that best suits their needs. Below are the top 5 home insurance companies in Texas according to market share.


State Farm

State Farm is the most prominent company in Texas, occupying the majority of the market share with 19.55%. The renowned home insurance company has written direct premiums worth $1,847,041 and has earned direct premiums worth $1,842,124. State Farm holds a financial strength rating of A++ from A.M. Best for its superior financial capacity to grant potential claims of current Frisco policyholders. It also received a customer satisfaction score of 4/5 from J.D. Power based on the feedback collected from policyholders.


Allstate comes second to State Farm in terms of market share, occupying 13.08% of the home insurance market. Allstate has written direct premiums worth $1,236,065 and earned direct premiums worth $1,178,535. Allstate has the superior financial ability in granting potential claims of current Frisco policyholders and has been awarded a rating of A+ from A.M. Best. It received a customer satisfaction score of 3/5 from J.D. Power’s customer feedback survey.


Farmers is another major player in the insurance segment holding a market share of 10.39% in Texas. The company has direct premiums written for a total value of $981,914. It has earned direct premiums worth $964,870. Farmers holds a financial strength rating of A+ for their superior financial ability to grant claims of current policyholders. According to customer feedback curated by J.D. Power, Farmers received a customer satisfaction rating of 3/5.


Even though USAA only offers its services to veterans, active, and retired military personnel, it has managed to hold a market share of 9.70%. It has direct premiums written worth $916,464, and direct premiums earned worth $881,961. USAA is the only home insurance company other than State Farm to receive a financial strength rating of A++ for its superior financial ability in granting claims of current Frisco policyholders. It also holds a perfect customer satisfaction score of 5/5 from J.D. Power.

Liberty Mutual

According to NAIC, Liberty Mutual holds a market share of 7.37% in Texas. The home insurance company has direct premiums written worth $696,450, and direct premiums earned worth $706,863. A.M. Best rated Liberty Mutual with an A for its excellent ability to grant potential claims of current policyholders. In terms of overall customer satisfaction, Liberty Mutual received a score of 3/5 from J.D Power.

Frisco, TX Homeowners Insurance By Home Value

Frisco, TX Home Value Total Homes % of Total Average Frisco, TX 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

Top Home Insurance Agents Near Frisco, TX

Home Insurance Company Near Frisco, TX Homeowners Insurance Agency Near Frisco, TX Address
NA Moore Insurance Group 2591 Dallas Pkwy 2591 Dallas Pkwy , Frisco, TX, 75034
Farmers Anna Lopez 2020 Altamesa Blvd Ste B, Fort Worth, TX, 76134
Farmers Huey Nguyen 3021 N Belt Line Rd, Irving, TX, 75062
Allstate Kracynthia Gerald 800 Sw Green Oaks Blvd Ste 304, Arlington, TX, 76017
Liberty Mutual Matthew Ford 1701 Shoal Creek Suite 246, Highland Village, TX, 75077

Frisco, TX Home Insurance Agents for Top Companies

Cost Of Homeowners Insurance By Street Near Frisco, TX

Streets in Frisco Area Homeowners Insurance Cost
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

Frisco, TX Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Frisco$165 to $167
The Colony$162

Frisco, TX Auto & Homeowners Insurance Bundling Discounts

Place 1 Car Bundle Savings On Insurance 2 Car Bundle Savings On Insurance 3 Car Bundle Savings On Insurance
McKinney CCD, Collin County, Texas $134 $179 $268
The Colony CCD, Denton County, Texas $135 $180 $270
Hackberry town, Texas $129 $172 $258

Frisco, TX Area Home Insurance as a % of Housing Cost

PlaceHome insurance as a % of housing cost for homes with mortgageHome insurance as a % of housing cost for homes without mortgage
Frisco, TX4.2%11.8%
The Colony4.61%13.41%

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

Frisco, TX Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Yearly Frisco Homeowner Insurance Premium Example $2,200$1,800
Out of Pocket Expense During Claim$800$2,800
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $18,400$17,200
Net Savings to Frisco Home Owner from High Deductible Plan $1,200

Frisco, TX Home Insurance Costs With Home Replacement Value Scenarios

Scenario Frisco, TX Home Replacement Value MORE than Home Value Frisco, TX Home Replacement Value LESS than Home Value
Replacement Value $420,000 $292,500
Insurance Premium based on Replacement Value $3,525 $2,450
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $43,500 Risk Exposure from Under Insuring Coverage is $84,000
Premium Impact Insurance cheaper by $700/year Insurance costlier by $375/year

Example Frisco Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company USAA groupAmica Mutual Insurance CompanyFarmers Insurance
Monthly Premium 231168123
Year Built 200720132012
Home Details 3 Beds, 2 Baths4 Beds, 1 Baths5 Beds, 1 Baths
Coverage Amount $250000-$300000$200000-$250000$200000-$250000
Deductible $500 Deductible$500 Deductible$2500-$5000 Deductible

Sample Home Insurance Rates for Frisco, TX from Consumer Reviews & Surveys

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
2012 225,000 Tile Roof 1,450 3 $500- $1000 Deductible 470 3 Stone Siding No
2011 230,000 Membrane Roof 1,740 4 $5000 to $10,000 Deductible 710 5 Fiber-Cement Siding yes
2013 420,000 Metal Roof 2,890 4 $2500-$5000 Deductible 850 3 Brick siding No
2005 580,000 Wood Shake Roof 3,840 5 > $10,000 Deductible 2390 10 Stucco siding yes
2007 380,000 Composition Roof 3,380 5 $500 Deductible 1000 4 Fiber-Cement Siding yes
2008 630,000 Wood Shake Roof 4,690 5 > $10,000 Deductible 2210 6 Wood siding yes
2010 290,000 Wood Shake Roof 2,660 4 $2500-$5000 Deductible 1030 6 Brick siding No
2012 690,000 Shingles Roof 4,350 5 $5000 to $10,000 Deductible 1530 6 Fiber-Cement Siding No
2011 475,000 Metal Roof 3,290 5 $5000 to $10,000 Deductible 1630 6 Stone Siding yes
2014 490,000 Tile Roof 4,320 5 $500 Deductible 880 2 Stucco siding No
2010 550,000 Metal Roof 4,350 5 > $10,000 Deductible 730 3 Stucco siding No
2009 495,000 Wood Shake Roof 3,180 4 $1000-$2500 Deductible 1630 5 Fiber-Cement Siding No
2011 265,000 Tile Roof 1,810 3 $500- $1000 Deductible 1180 7 Stucco siding yes
2004 410,000 Shingles Roof 3,260 5 $5000 to $10,000 Deductible 980 4 Vinyl siding yes
2014 265,000 Slate Shingles Roof 2,070 3 $500 Deductible 1720 8 Vinyl siding No
2006 340,000 Shingles Roof 2,480 5 $2500-$5000 Deductible 1490 7 Vinyl siding No
2014 370,000 Membrane Roof 2,610 5 > $10,000 Deductible 1250 7 Brick siding yes
2013 670,000 Membrane Roof 4,340 5 $1000-$2500 Deductible 2120 5 Stone Siding yes
2011 345,000 Metal Roof 3,220 4 $1000-$2500 Deductible 140 1 Vinyl siding yes
2006 260,000 Metal Roof 2,190 3 $500- $1000 Deductible 190 1 Fiber-Cement Siding No
2012 575,000 Composition Roof 4,090 5 $500 Deductible 3420 12 Brick siding No
2005 240,000 Tile Roof 2,180 4 $500- $1000 Deductible 170 1 Stucco siding yes
2008 310,000 Composition Roof 2,220 4 $500 Deductible 590 2 Stucco siding yes
2004 630,000 Membrane Roof 4,270 5 $2500-$5000 Deductible 850 3 Stone Siding yes
2013 240,000 Tile Roof 1,540 3 $2500-$5000 Deductible 1380 9 Brick siding No
2014 405,000 Metal Roof 2,550 4 $500- $1000 Deductible 3720 12 Stucco siding yes
2004 700,000 Wood Shake Roof 4,810 5 $2500-$5000 Deductible 340 1 Wood siding yes
2014 515,000 Membrane Roof 4,540 5 $500 Deductible 2520 5 Wood siding No
2011 525,000 Wood Shake Roof 3,490 5 $5000 to $10,000 Deductible 1730 5 Vinyl siding No
2002 265,000 Wood Shake Roof 2,240 5 > $10,000 Deductible 1520 12 Stucco siding yes
2000 205,000 Slate Shingles Roof 1,710 2 $1000-$2500 Deductible 670 5 Brick siding yes

Latest Home Insurance Reviews

I do reccommend them at the moment, but you should ask me again after I have to submit a claim.
State Farm
Well, the truth is that the policies are super economic, I think it's fine for middle class people, it fits your salary which is fine, since you can buy several things instead of paying all your salary in only the policy
Progressive is one of the largest known home insurance brands, so they have quite the plethora of options when it comes down to it. I would say they offer more flexible options.
My rates are relatively low, but most home insurance policies aren't astronomical. Allstate is a bit higher than many alternatives, some of which are much cheaper
Absolutely recommend - they've saved me a ton of money on premiums, my agent is the best customer service provider ever, and I've had no problems with major claims.
Allstate home insurance is an excellent choice for most first-time home buyers and homeowners looking for specialized coverage
I would recommend Travelers Insurance because they offer a wide variety of services, have very reasonable rates, and their customer service is very good. I am very satisfied with their services.
We have been pleased with Progressive thus far. They were very thorough in selecting our coverage and checked every detail with us which gave us good peace of mind. The cost savings have not been much to write home about though.
We have only had i for a little less than a year. The setup however was really easy and our realtor took care of most of it for us, we just told him who we wanted to use.
I honestly couldn't tell you how Liberty Mutual varies from other insurance providers. My husband and I made our decision on the basis of cost and ease of obtaining a quote, in which Geico was able to provide the lowest and easiest.
State Farm
State farm has been great to work with. I would rate them a 5 because they seem to always be friendly and they care about customer needs.
Alfa Insurance
5 star rating. The policy offerings are comparable with other home insurance policies.
Liberty Mutual
The deductible is a bit high, but is probably comparable to what most other companies would charge. the premium is reasonable, especially given the discounts and incentives we enjoy.
I would like to recommend my current insurance company for others, it is not perfect, but it kind of does its job.
I would recommend my insurance company. My issues with them are the same issues I've heard others have with their providers. Apparently, insurance is one of those things you need, but have no desire to have.
I would defiantly recommend my insurance companies Home coverage Policy. They are a great company well finance and have a established record with years of service.
Farmer's Insurance
Our agent is very knowledgeable and committed to helping us have the coverage we need related to our position in life.
State Farm
They always make sure that you are well taken care of the car, if it is in good condition and that your house is perfect.
Safeco Insurance
No local branch, everything has to be done on the phone or via email, sometimes i just want to have a face to face conversation
The price is phenomenal. I did a lot of shopping around, and no one was even close to their price. This really helps out with my monthly bills.
Liberty Mutual
The interaction and communication with the insurance company are great and they keep me posted and updated with any changes related to my account.
I have never had any trouble getting through to them and they are always very prompt in responding to whatever needs to be handled. They are extraordinary in customer service.
Every time I deal with Allstate insurance the agents answer my question fast and the one time I had a problem they had it fixed in no time.
Farmer's Insurance
The website is fine when it comes to things like paying my bill and printing policy declarations.
allstate insurance company was giving an nice performance to all the peoples. but it give some disqualification that in that update performance.
They don't have a local office near me, which could be annoying to deal with at some point if I wanted to talk to someone face to face.
I used to be with State Farm and the premiums got out of control, I did a price comparison and it wasn't close considering the bundles that I had
Liberty Mutual
They are a reliable company and have been around for many years, so I like that. They generally have decent customer service and they offer a good amount of coverage.
I really don't have anything bad to say about them. My parents had Allstate so I guess that's why I chose them as well. I think if I went to another competitor like State Farm, I expect to have the same level of customer satisfaction and comparable coverage. The only one that might be better would be USAA.
State Farm
For this particular company, I like that the issue could be resolved quickly without the need for a "pitch" from a salesperson. Trying to be sold on something you don't necessarily need makes things such as buying basic insurance a real pain and a thing people will avoid doing. Insurance for homes is important but they don't need to push services and extra costs for people who cannot afford them.
From this company I liked its internal qualities which has a perfect communication and a reasonable amount of personnel that can be attended to quickly, I liked that this company takes the trouble to cover things that could be called insignificant for other companies Unlike this, this leaves an incredible experience which makes me feel safe, this company offers security.
State Auto
I'd recommend them, though I would definitely try to go through the company itself rather than an agent if possible. I'm sure they have good agents out there, but the company itself has proven more helpful in my experience.
I would recommend this company for home insurance because they quickly deal with customers in an efficient manner and treat the customer like they matter.
I really enjoyed the customer service and experience working with Allstate. They treat me very fair, the rate that they gave me was very competitive to other companies.
Blue Cross Blue Shield
I have a lot of dental issues and we struggle to put the claims through most of the time
State Farm
I do not have any issues to say that I dislike the company overall.
State Farm
I appreciate the fair prices, the friendly and knowledgeable staff, the amount of coverage offered, a variety of coverage offered and feeling like we are known and appreciated when we call or visit the local office.

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