Frisco Home Insurance Made Simple with Quick, Accurate Quotes
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:
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:
Don’t see your zip code listed? Don’t worry, as long as it’s in Texas, we’ve got you covered!