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The Cost of Frisco, TX Home Insurance

 

Home insurance premiums vary from state to state, city to city, and even from house to house on the same street. This variation is due to several factors which we discuss below. But first, here is a look at the national, state, and city average homeowners insurance premiums for Frisco, TX: 

  • National average1: $2,305
  • Texas average1: $3,429
  • Frisco, TX average: $2,647

The average TGS Insurance customer in Frisco, TX pays $1,590 per year for homeowners insurance. That’s an annual savings of $1,057 under the city average! 

Homeowners can expect their premiums to differ from the averages, but you can use them as a benchmark and begin to understand where your home premiums will lie. We can also begin to determine if there are factors you can change that will help lower your monthly payments. Although different insurance carriers calculate premiums differently, at the end of the day, they are all assessing the risk they are taking on to insure you. Some of these factors are circumstantial while others give you the opportunity to customize portions that directly impact your premium rate. Here are some examples: 
 

Circumstantial Factors that You Can’t Change:

  • The Age, Building Material, and Size of Your Home
  • The Age and Condition of Your Roof
  • Your Location
    • Is the area prone to severe weather such as tornados or flooding?
    • Are you near a body of water?
    • Are you close to a fire-prone wooded-area?
    • How close are you to a fire station?
  • Your Credit History (a lower credit score often leads to higher premiums)
  • Your Claims History

Customizable Factors that You Can Adjust:

  • Your Deductible Amount (a lower deductible often means higher premiums and vice versa)
  • The Coverage Limits You Choose
  • The Availability of Homeowners Insurance Discounts (for example, bundling policies, adding security systems, etc)

Our agents at TGS Insurance Agency will work with you to build a home insurance policy that fits you and your home’s needs and then narrows down your home coverage search by comparing quotes among over 35 top-rated home insurance companies at once. By doing this, we can ensure our clients that they are receiving the home insurance coverage they deserve for the lowest price.
 

Who Needs Homeowners Insurance?

 
If you own a home, you should have homeowners insurance. Keeping your home and valuables protected is a priority for every homeowner, and the right homeowners insurance policy will do just that. In many cases, lenders will not grant a mortgage to would-be homeowners without some form of homeowners insurance coverage as a term and condition of the loan. Protecting yourself and your home is important and it is imperative that you receive the right coverage rather than a cookie-cutter, one-size-fits-all coverage that may harm you by not only overpaying but also lacking the coverage your home needs. Your policy should be specific to your needs and provide the protection you deserve.

TGS Insurance Agency helps our customers by finding home insurance policies that surpass just the standard levels of protection and provides our clients with personalized coverage to keep them protected the right way. By assessing your needs, our agents learn what is important to you personally and examine the different aspects that go into your policy. 
 

How to Get the Best Homeowners Insurance in Frisco, TX

 
TGS Insurance makes it simple for homeowners in Frisco, TX to find the best homeowners insurance for their homes thanks to our proprietary online quoting tool. An easy, free, no-obligation quote is created in 15 seconds or less by simply entering your address. Then, you’ll instantly receive your home insurance quote from TGS Insurance. Once your quote is delivered, your insurance agent works with you to answer a few questions about your home and further customizes your coverage for your needs. We keep you covered with the protection you need at the lowest price we can find!
 

Common Home Insurance Questions from Our Customers in Frisco, TX

 

How much will a security system lower my homeowners insurance?

 

Security systems can lower your homeowners insurance by as much as 20% depending on your home, location, insurance provider, and other factors. Each insurance company assesses different risks differently. To better understand how much of your premium you can save by installing a security system, speak with your agent today.

 

Will homeowners insurance pay for a new roof?

 

When a roof is damaged from a covered, weather-related event, your homeowners insurance policy will be there to repair and restore your roof. Your policy will not, however, pay to repair a roof that is experiencing damage from normal wear and tear.

 

Is it a legal requirement to have home insurance in Frisco, TX?

 

There is no legal requirement to have home insurance in Frisco, TX, however, it is always advised. Many mortgage companies won’t allow you to qualify for a loan without home insurance as a stipulation and if something were to happen to your home or the contents within it, you’d be responsible for restoring them all alone without the right policy. TGS Insurance always recommends a proper home insurance policy to protect yourself and your home from the many perils that may come your way.

 

Zip Codes in Frisco, TX That We Insure:

 

  • 75033
  • 75034
  • 75035
  • 75036
  • 75068
  • 75072
  • 75078

Don’t see your zip code listed? Don’t worry, as long as it’s in Texas, we’ve got you covered!

 

Footnotes

1. Bankrate.com

Home Insurance Carriers in Frisco, TX

Allstate Logo
Progressive Logo
Safeco Logo
Travelers Logo
AIG Logo
Metlife Logo
Allied Trust Logo
Maison Logo
Lighthouse Logo
Anchor Logo
 State Auto Logo
ASI Logo
The Hartford Logo
Foremost Logo
Empower Logo
TWIA Logo
National Lloyds's Logo
Liberty Specialty Logo

TGS Insurance is Frisco's Premier Home Insurance Provider

Frisco neighborhood

Frisco, TX, is a suburb of Dallas located north and is a rich charming community with plenty of entertainment. Residents will find many shops and businesses and sights including access to the Lewisville Lake, Frisco Heritage Museum, and the National Videogame Museum. Frisco residents enjoy many modern amenities while remaining a more small town feel

Frisco neighborhood

Homeowners of Frisco love their community and all want the same thing- the best homeowners insurance coverage available for the lowest price. TGS Insurance finds the best policies for homeowners in Frisco, TX, by shopping through our bank of 35+ top-rated carriers. As a Texan owned agency, TGS Insurance wins business from the homeowners of Frisco, TX, every day with our great customer service and extensive market knowledge.

Key Home Statistics in Frisco

200,490

Total Population in Frisco, TX

$478,131

Average Home Value in Frisco, TX

$127,055

Median Household Income in Frisco, TX

37

Median Age in Frisco, TX

Trust TGS Insurance in Frisco

Data as of July 31, 2021

15,000

Total
Customers

$4.27B

Total Assets Covered Projected

13,700

Total Homes Insured

5,200

Total Vehicles Insured

Major Neighborhoods in Frisco, TX

Image of Richwoods Neighborhood

Richwoods

Richwoods provides its residents with every modern amenity you could think of in a beautiful gated community with easy access to the Sam Rayburn Tollway.

Image of Lexington Country Neighborhood

Lexington Country

One of the most illustrious gated communities in Frisco, TX, residents of Lexington Country can enjoy beautiful homes and landscapes with every modern amenity available to those who live there.

Image of The Hills of Kingwood Neighborhood

The Hills of Kingwood

The Hills of Kingwood provides residents with a beautiful space highlighted by a wooded greenbelt and Lake Lewisville. This stunning gated community is only a few minutes away from the Legacy Business Park.

Image of Miramonte Neighborhood

Miramonte

Parks, trails, high-class amenities, a resort-style pool, and more await residents of Miramonte. The community is surrounded by many schools and is only a short ride away from several golf courses.

Image of The Trails  Neighborhood

The Trails

Surrounded by many shops and eateries and featuring its own golf course, The Trails is a stunning community featuring pools, a tennis court, and even a fishing pond. Residents enjoy some of the most spectacular homes in west Frisco, TX.

Image of Chapel Creek  Neighborhood

Chapel Creek

Chapel Creek is a family-friendly community, only elevated. Drawing from European architecture, homes in Chapel Creek are enhanced further by the beautiful landscape as a backdrop filled with trails, creeks, trees, parks, and much more.

Local Home Resources in Frisco, TX

Fire Departments
Frisco - Departments- Fire Department- Central8860 Tomlin Dr
Frisco, TX 75034
(972) 335-5525