save@astateinsurance.com
713-357-7771

Affordable Homeowners Insurance
in Frisco, TX — Compare
Quotes from 50+ Carriers

Frisco homeowners face significant hail and severe-storm exposure, while localized flooding can affect properties near drainage channels and flood-prone areas. Tornadoes and high winds can also damage roofs, windows, fences, and other structures. We are an independent agency with 5+ years of serving Texas, access to multiple carriers, and multilingual agents ready to help. We compare coverage and pricing to help you find dependable, affordable home insurance tailored to your property and budget.

Why Frisco Homeowners Need Local Coverage

Frisco has grown rapidly, with a mix of newer developments, established neighborhoods, larger properties, and homes built across different construction periods. That means insurance needs can vary from one property to another. Hailstorms, severe thunderstorms, tornadoes, drainage concerns, roof age, and foundation conditions can all influence how insurers evaluate a home.

A policy that works well for one Frisco property may not provide the same value for another. Your home's replacement cost, roof materials, construction type, location, claims history, deductible, and selected limits can all affect the coverage and price available to you. Localized guidance helps you evaluate these factors before choosing a policy. As an independent agency, A-State Insurance can compare options from multiple carriers rather than restricting you to one company's products.

Neighborhoods We Serve in Frisco, TX

Arbor At Lawler Park
Arbors At Willow Bay
Austin Ridge
Autumn Park
Baccus
Bella Casa
Bohrman
Bretton Woods
Canals At Grand Park
Cecile Place
Chapel Creek
Chase At Stonebriar
Cheyenne Village
Christie Ranch
Cobb Farm
Cobb Hill Estates
Collinsbrook Farm
Country Club Ridge
Creeks On Coit
Creeks On Hickory
Creekside At Preston
Creekside At Stonebriar
Crestview
Crown Ridge
Custer Creek Farms
Cypress Creek
Dominion At Panther Creek
Edgestone At Legacy
Edgewood
Eldorado Fairways
Emerson Estates
Emory Park
Enclave At Stonebriar
Estates At Shaddock Park
Fairway Estates
Fields (The Preserve)
Frisco Heights
Frisco Lakes (Del Webb)
Frisco Springs
Frisco Square
Golden Gate Village
Grayhawk
Griffin Parc
Heritage Green
Heritage Lakes
Heritage Village
Hills Of Kingswood
Hollyhock
Hunters Creek
Kings Garden
Kings Ridge
Knolls Of Frisco
Lake Hill Village
Lakes On Legacy Drive
Lakes Of Preston Vineyards
Lakeside At Lone Star
Lawler Park
Lexington Country
Liberty Square
Majestic Gardens
Meadow Hill Estates
Meadows Of Preston
Miramonte
Newman Village
Northridge
Northwood Manor
Oakbrook Park Estates
Oakmont At Frisco
Panther Creek Estates
Park Place Estates
Park Vista
Pearson Farms
Phillips Creek Ranch
Plantation Resort
Plantation Springs
Prairie View
Prestmont
Preston Gables
Preston Glen
Preston Highlands
Preston Hills
Preston Lakes
Preston Vineyards
Quail Meadow
Richwoods
Ridgeview At Panther Creek
Rivendale By The Lake
Saddlebrook Village
Shaddock Creek Estates
Somerset Park
Sorano
Spring View Estates
Starwood
Sterling Ranch
Stewart Creek Estates
Stone Creek Village
Stonebriar Country Club
Stonebrook
Stonelake Estates
Stonewater Crossing
The Fairways
The Grove Frisco
The Trails
Turnbridge Manor
Village Lakes
Villages At Willow Bay
Westfalls Village
Willow Pond

What Does Homeowners Insurance Cover in Frisco, TX?

Homeowners insurance can help protect your Frisco home, personal belongings, and finances against covered losses. Depending on the insurance policy, protection may apply to damage from fire, wind, hail, theft, and other insured events. Insurance coverage can also extend to detached structures, personal property, liability claims, and certain additional expenses. Optional endorsements may provide further protection for risks such as sewer backup or increased rebuilding costs.

Dwelling Coverage

Helps pay to repair or rebuild the main structure of your Frisco home after a covered loss. Insurance coverage may apply to events such as fire, wind, hail, and other insured causes of damage.

Other Structures Coverage

Can provide financial protection if you are legally responsible for covered bodily injury or property damage involving another person. Liability coverage may help pay eligible legal defense expenses.

Personal Property Coverage

Helps repair or replace eligible belongings damaged or stolen in a covered event, including furniture, clothing, electronics, and appliances, subject to limits and exclusions of the policy.

Liability Protection

Helps protect you financially if you are legally responsible for covered bodily injury or property damage involving another person. It helps with eligible legal costs or judgments up to policy limits.

Loss of Use / Additional Living Expenses

Helps pay eligible additional living expenses when covered damage makes your Frisco home temporarily uninhabitable, potentially including temporary housing, meals, and other necessary increased costs.

Medical Payments to Others

Helps cover certain medical expenses when a guest is accidentally injured on your property, subject to policy terms and limits. This protection may apply even when you are not legally responsible.

Sewer & Water Backup Coverage

An optional endorsement can help cover certain damage caused by sewer or water backup through drains or related systems. Standard policies exclude these losses without the additional coverage.

Ordinance or Law Coverage

Helps cover certain additional repair or rebuilding costs when a covered loss requires your home to comply with updated local building codes, subject to endorsement limits and eligible expenses.

Extended Replacement Cost Coverage

May provide additional funds when rebuilding a covered home costs more than its dwelling limit because of unexpected expenses. Availability, eligibility, and additional limits vary by insurer and policy.

Identity Theft Protection

Optional protection provides identity restoration services or reimbursement for certain eligible expenses after identity theft. Available services, covered costs, and exclusions depend on the policy.

What Does Homeowners Insurance NOT Cover in Frisco, TX?

Standard homeowners insurance does not cover every type of property damage. In Frisco, homeowners should pay particular attention to flood exclusions, earth movement, gradual deterioration, pest damage, and maintenance-related problems. Standard policies generally exclude flooding, earthquakes, normal wear and tear, neglect, termite and vermin damage, and intentional losses. Business activities, war, nuclear hazards, and other specifically excluded events may fall outside standard protection.

Flood Damage

Standard policies generally exclude flood damage. Frisco homeowners with flood exposure may need separate flood insurance to protect eligible property and belongings from covered flooding.

Earthquake Damage

Earthquake and some earth-movement losses are generally excluded from standard home policies. Separate insurance coverage may be available for eligible structural and personal property damage.

Sewer & Drain Backup (if not endorsed)

Water backing up through sewers, drains, or sump systems may be excluded unless specific insurance coverage is added. A policy endorsement can help cover eligible cleanup and property damage.

Mold & Fungus Damage

Insurance coverage for mold and fungus depends on the cause and policy terms. Long-term moisture, poor maintenance, or excluded water sources may limit or eliminate available protection of your policy.

Wear, Tear & Neglect

Homeowners insurance generally does not cover gradual deterioration caused by aging, normal wear, or neglect. Regular inspections and timely repairs can prevent excluded maintenance-related losses.

Pest & Vermin Damage

Damage caused by termites, rodents, or other pests is considered a maintenance issue rather than an insured event. Homeowners must handle infestations, treatment, and resulting repairs separately.

Business Use of the Home

Standard homeowners coverage may provide limited protection for home-based business activities and can exclude certain commercial losses. Additional business insurance may be needed for equipment, inventory, customers, or operations.

Acts of War

Losses caused by war, military action, or similar events are excluded from standard homeowners policies. Exact exclusions vary by policy, so reviewing the wording can clarify how risks are treated.

Nuclear Hazard

Damage or liability arising from nuclear reaction, radiation, or contamination is excluded from standard insurance. Such risks fall outside residential coverage and may require insurance arrangements.

Intentional Damage

Insurance does not cover property damage deliberately caused by a policyholder or another insured person. Intentional acts may be excluded even when the resulting damage resembles a covered loss.

Frisco-Specific Risks That Affect Your Policy

Flood Zone Exposure

A home's location within or near a flood-prone area can influence the type of protection a homeowner should consider. Standard homeowners insurance generally excludes flood damage, so properties with greater flood exposure may need a separate flood policy. Frisco's drainage patterns, development, and proximity to waterways can make location important when reviewing flood maps and potential water exposure. Understanding the property's specific flood risk before buying coverage helps prevent gaps.

Hail & Roof Age

Roof age and condition can affect premiums, eligibility, and how a carrier settles a future claim. Frisco's severe thunderstorms and hail exposure make roof construction and maintenance particularly important when comparing policies. Older roofs may receive less favorable coverage or may be evaluated through an inspection, while newer materials may qualify for better terms. Before buying a policy, compare how each carrier handles roof age and hail deductibles, and replacement-cost coverage.

Wind/Hurricane Deductibles

Frisco is inland, so the special coastal windstorm rules that can affect Gulf Coast properties generally do not apply. However, Frisco homeowners can still experience damaging winds from severe thunderstorms and tornadoes. Wind and hail protection may also have a separate deductible depending on the chosen insurance policy. When comparing quotes, check the actual dollar amount you would pay after a storm claim rather than looking only at the annual coverage premium.

Foundation & Soil Movement

Expansive clay soils are an important consideration in North Texas and can influence how foundations are designed. Standard homeowners insurance does not cover gradual settling or many forms of earth movement, so existing foundation problems can affect claims expectations. Frisco's residential building requirements address foundations constructed on expansive soils. Homeowners should understand whether existing cracks or other foundation conditions could affect coverage before selecting a policy.

Aging Infrastructure (older neighborhoods)

Older parts of Frisco can present different property-maintenance considerations from newer master-planned developments. Aging plumbing, sewer connections, and other building systems may receive additional attention during underwriting. Normal deterioration is not covered, although sudden and accidental damage may qualify depending on the policy. If you own an older home, reviewing its condition with an agent can help identify inspection requirements and coverage that affect your policy.

Home Insurance Costs in Frisco, TX

Home insurance costs in Frisco average around $3,300-$4,900 per year for many standard policies, depending on coverage and the property. It depends on several property-specific factors, including dwelling value, claims history, coverage limits, deductible, and insurer. Available rate data places Frisco's average annual premium around the figures shown below, but individual homeowners can pay more or less. Comparing multiple carriers is one of the best ways to see how different insurers work.

Average Annual Rate in Frisco

Homeowners insurance in Frisco can vary substantially from one property to another. A home's replacement cost, ZIP code, roof age, construction materials, claims history, deductible, and selected limits all influence the final premium. The carrier you choose can also make a difference because insurers use different underwriting models and pricing formulas.

Insurance CompanyAverage Annual Premium
State Farm$2,743
USAA$2,703
Mercury Insurance$2,760
Allstate$2,926
Texas Farm Bureau$3,120
Liberty Mutual$3,280
Progressive$3,450

Last Updated: August 2026

Disclaimer: The information provided on this page is for general informational purposes only and may not reflect the most current updates. Coverage requirements, rates, and laws are subject to change. Please consult a licensed insurance agent for the most accurate and up-to-date information.

Average Cost of Home Insurance in Frisco’s Largest ZIP Codes

Home insurance premiums can differ between Frisco ZIP codes because insurers evaluate location-specific factors alongside the individual property. Home value, roof condition, claims history, deductible, and local exposure can all affect pricing. The figures below provide a comparison of average annual costs across selected Frisco ZIP codes, but your actual quote may differ.

ZIP CodeNeighborhoodAverage Annual Cost
75033Northwest Frisco$3,550
75034Stonebriar$3,920
75035Plantation$3,740
75036Phillips Creek Ranch$3,610
75072Downtown Frisco$3,420

Last Updated: August 2026

Disclaimer: The information provided on this page is for general informational purposes only and may not reflect the most current updates. Coverage requirements, rates, and laws are subject to change. Please consult a licensed insurance agent for the most accurate and up-to-date information.

How Frisco Rates Compare to the Texas State Average

Frisco homeowners may pay less than the statewide Texas average in some cases, but the actual difference depends on the property and carrier. Local premiums reflect factors such as home value, severe-weather exposure, roof condition, claims history, coverage limits, and deductibles. Comparing Frisco-specific quotes is more useful than relying solely on statewide averages.

FriscoTexas AverageNational Average
$220/mo$387/mo$201/mo

What Affects Your Homeowners Insurance Rate in Frisco, TX?

Insurance companies use several factors when determining how much to charge for a homeowners policy. Your home's age, roof age and material, construction type, replacement value, ZIP code, claims history, and distance from fire protection can all influence the cost of your insurance premium. Your deductible and coverage limits also matter. Security improvements, bundling, a newer roof, and a claims-free history may create opportunities for discounts with some insurers.

  • Home Age
  • Roof Age & Material
  • Construction Type
  • Claims History
  • Credit-Based Insurance Score
  • Distance to Fire Station/Hydrant
  • Home Security Features
  • Prior Flood Claims on Property
  • ZIP Code Risk Tier
  • Dwelling Value
  • Deductible Choice
  • Bundling Status

Discounts Available to Frisco Homeowners

Frisco homeowners may be able to reduce their insurance premium through discounts offered by individual carriers. Bundling home and auto policies, installing qualifying security systems, replacing an older roof, maintaining a claims-free history, and choosing paperless billing or autopay may create savings opportunities. Some insurers also provide discounts for newer homes, gated communities, impact-resistant features, non-smoking households, senior homeowners, or qualifying professional affiliations.

  • Multi-Policy Bundle Discount
  • New Roof Discount
  • Security System Discount
  • Claims-Free Discount
  • New Home Discount
  • Gated Community Discount
  • Storm Shutters/Impact Windows Discount
  • Senior/Retiree Discount
  • Non-Smoker Household Discount
  • Loyalty/Renewal Discount
  • Affiliation/Professional Group Discount
  • Paperless/Autopay Discount

Independent Agency vs. Captive Agent in Frisco, TX

FeatureIndependent Agency (A-State)Captive Agent
Number of CarriersMultiple — shops 10+ carriers for youOne — locked into a single company
Price ComparisonCompares rates across multiple carriers to find the lowestCan only offer one company's rate
Coverage OptionsBroader selection of coverage types and limitsLimited to what one carrier offers
High-Risk DriversAccess to non-standard and specialty marketsMay decline high-risk applicants entirely
SR-22 FilingCan shop multiple carriers for best SR-22 rateLimited SR-22 options through one carrier
Loyalty to YouWorks for the client — not the insurance companyWorks for the insurance company
Rate Shopping at RenewalRe-shops your rate every renewal across all carriersLocked into same carrier at renewal
Claims AdvocacyAdvocates on your behalf during claimsRepresents the insurance company's interests
Policy CustomizationTailors coverage across multiple carrier optionsLimited to one carrier's policy structure
Switching CarriersCan switch you to a better carrier without changing agentsMust find a new agent to switch carriers
Local KnowledgeTexas-based agents with local market expertiseMay be national agents with no local context

Types of Homeowners Coverage We Offer in Frisco, TX

Standard Homeowners Insurance

Protects your Frisco home, belongings, and personal liability against covered risks such as fire, theft, wind, hail, and certain property damage, with limits and deductibles based on your policy.

Condo Insurance

Helps protect your condo unit, personal belongings, interior, and liability against covered losses, while complementing the condominium association’s master policy and its coverage responsibilities.

Landlord Insurance

Helps protect rental properties against covered damage while providing liability protection for eligible risks. Coverage can be tailored for Frisco landlords who rent their homes to tenants.

Manufactured / Mobile Home Insurance

Protects eligible manufactured or mobile homes, personal belongings, and liability against covered losses, with options based on the home's construction, location, value, and policy terms.

Flood Insurance

Provides separate protection for certain flood-related losses that standard homeowners policies generally exclude. Coverage may apply to the structure and belongings, subject to limits and exclusions.

Earthquake Insurance

Provides separate protection for eligible earthquake-related damage, which standard homeowners policies exclude. Coverage options, deductibles, limits, and exclusions vary by insurer and property.

Renters Insurance

Helps Frisco renters protect personal belongings and personal liability against losses. It may also help with additional living expenses if a covered event makes the rental temporarily unlivable.

Frequently Asked Questions About Homeowners Insurance in Frisco, TX

Homeowners insurance costs vary based on your home's value, location, age, roof condition, claims history, deductible, coverage limits, and insurer. Comparing multiple carriers can help you find competitive pricing for your property.

Homeowners insurance quote visual

Get a Homeowners Insurance Quote in Frisco, TX

Getting a homeowners insurance quote for your Frisco property is straightforward. Select the type of coverage you need, provide your full name and phone number, and submit the form. An A-State Insurance agent can review your information, compare available options from multiple carriers, and help you evaluate coverage based on your property, risks, and budget. Complete the form today to compare your Frisco home insurance options and find coverage that fits your needs with our experts.

INSURANCE | ASEGURANZA
We protect what matters to you.