Frisco ,TX Home Insurance - The cost of homeowners insurance is influenced by a range of factors, including the value of your coverage, deductible, and the construction materials used in your home.
VHome Insurance conducted a thorough analysis of the Frisco, TX homeowners insurance market, taking into account factors like average costs, range of coverages, deductibles and customer satisfaction ratings to determine the best providers. The Average home insurance cost in Frisco, TX is $2427. Enter your zipcode below and click “GO” to get multiple free quotes.
It is important to understand the different coverage options available in Frisco, TX. VHome Insurance will help you navigate the world of homeowners insurance coverages in Frisco, TX.
| Coverage Level | Average Annual Premium |
|---|---|
| $100,000 | $971 |
| $200,000 | $1,650 |
| $300,000 | $2,039 |
| $400,000 | $3,107 |
| $500,000 | $3,907 |
One key aspect of your policy is the deductible, which is the amount you pay out of pocket before your insurance kicks in. Choosing the right deductible can have a major impact on your insurance premiums and overall savings. In this guide, we'll help you understand the options available for homeowners insurance deductibles in Frisco, TX, and how to choose the right one for your needs.
| Deductible Level | Average Annual Premium |
|---|---|
| $500 Deductible | $2,488 |
| $1000 Deductible | $2,226 |
| $1500 Deductible | $2,099 |
| $2500 Deductible | $1,893 |
| $5000 Deductible | $1,602 |
| Home Insurance Company Near Frisco, TX | Homeowners Insurance Agency Near Frisco, TX | Address |
|---|---|---|
| Liberty Mutual | Matthew Ford | 1701 Shoal Creek Suite 246, Highland Village, TX, 75077 |
| 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 |
| 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 |
| Place | Home insurance as a % of housing cost for homes with mortgage | Home insurance as a % of housing cost for homes without mortgage |
|---|---|---|
| Frisco, TX | 4.2% | 11.8% |
| McKinney | 4.74% | 12.54% |
| The Colony | 4.61% | 13.41% |
| Hackberry | 5.67% | 20.29% |
| 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 |
| 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 |
| Place | Savings For Senior Occupied Homes |
|---|---|
| Frisco | $165 to $167 |
| McKinney | $161 |
| The Colony | $162 |
| Hackberry | $155 |
| Low Deductible | High Deductible | |
|---|---|---|
| Deductible | $800 | $2,800 |
| 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 | |
| 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 |
| Insurance Company | USAA group | Amica Mutual Insurance Company | Farmers Insurance |
| Monthly Premium | 231 | 168 | 123 |
| Year Built | 2007 | 2013 | 2012 |
| Home Details | 3 Beds, 2 Baths | 4 Beds, 1 Baths | 5 Beds, 1 Baths |
| Coverage Amount | $250000-$300000 | $200000-$250000 | $200000-$250000 |
| Deductible | $500 Deductible | $500 Deductible | $2500-$5000 Deductible |