Why Pay More?

GET AFFORDABLE HOMEOWNERS INSURANCE RATES IN FRISCO, TX

GET AFFORDABLE HOMEOWNERS INSURANCE RATES IN FRISCO, TX

HANDPICKED CARRIERS
LOWER COSTS, HIGHER SATISFACTION

AVERAGE COST OF HOME INSURANCE IN FRISCO, TX

Homeowners in Frisco pay an average of $2,647 a year for coverage, or about $221 a month. Much of the city’s housing was built in recent decades under modern building codes, so newer roofs, updated electrical systems, and current plumbing reduce the likelihood of costly claims insurers factor into pricing.

The Texas average reaches $4,668 a year, which places Frisco about 43% below the state figure. Statewide premiums climb because of high claim frequency, rising reinsurance costs that carriers pass on to policyholders, and construction labor and material prices that have increased the cost of rebuilding homes across Texas communities.

Nationally, homeowners pay an average of $2,808 a year, so Frisco comes in roughly 6% below the U.S. rate, while Texas runs about 66% higher. The national figure blends lower-cost markets with expensive ones, and Frisco stays close to it largely because of its newer homes and fire protection services.

FRISCO

Local
$221 /month

$2,647 per year

Estimated average, $300,000 dwelling coverage

TEXAS

Statewide
$389 /month

$4,668 per year

Estimated average, $300,000 dwelling coverage

USA

National
$234 /month

$2,808 per year

Estimated average, $300,000 dwelling coverage

Note: These rates are estimates and can vary based on individual circumstances. For accurate pricing, it's recommended that you obtain personalized quotes.

Source: TGS Insurance

Last Updated: October, 2026

LOCAL RISKS THAT AFFECT HOMEOWNERS' INSURANCE IN FRISCO, TX

Hail and Thunderstorm Damage

On the evening of April 4, 2014, trained spotters reported hail up to 2 inches across Frisco, based on the National Weather Service storm summary. Many policies apply a separate wind and hail deductible, so confirm that amount well before the spring storm season begins each year.

Policy tip: Ask how roof age affects a wind or hail claim.

Record Rainfall and Water Damage

May 2015 delivered 19.14 inches of rain to Frisco, the highest monthly total in its National Weather Service record. Months like that can overwhelm sewer lines and send water back into homes through drains. Water backup coverage is an optional endorsement, so add it if your policy leaves it out.

Policy tip: Ask how roof age affects a wind or hail claim.

Flooding and Flash Flood Hazards

On December 26, 2015, the National Weather Service issued a Flash Flood Warning naming Frisco among the locations expected to flood as heavy rain moved across the area. Standard homeowners policies exclude flood damage, so a separate flood policy is the only way to cover rising water inside your home.

Policy tip: Ask how roof age affects a wind or hail claim.

Foundation Movement From Expansive Clay Soil

The Texas Department of Insurance lists foundation and slab damage as a separate item homeowners should compare between policies. That matters in Frisco, where expansive clay soil moves with changing moisture levels. Confirm whether your coverage includes slab leaks and the full cost of tearing out floors to reach them.

Policy tip: Ask how roof age affects a wind or hail claim.

Drought, Extreme Heat, and Wildfire Risk

National Weather Service records show Frisco averages 42.08 inches of rain a year, yet 2005 brought just 23.27 inches. Drought years like that one can crack foundations and dry out landscaping near the home. Ask your agent which foundation and plumbing leak losses your policy covers before any problems appear.

Policy tip: Ask how roof age affects a wind or hail claim.

Winter Storms and Freezing Temperatures

Four Frisco ZIP codes filed about 4,231 insurance claims after the February 2021 freeze, with ZIP 75035 alone reporting 1,678, based on Texas Department of Insurance figures. Burst pipe water damage is generally covered, but leaving a home unheated while vacant can lead an insurer to deny the entire claim.

Policy tip: Ask how roof age affects a wind or hail claim.

DO YOU NEED WINDSTORM OR FLOOD INSURANCE IN FRISCO, TX?

Windstorm or Hail
policy-dependent

Windstorm or Hail

No, Frisco homeowners do not need separate windstorm coverage. The Texas Windstorm Insurance Association (TWIA) serves only designated coastal counties, and Frisco sits in Collin and Denton counties, outside that area. Standard homeowner insurance already covers wind and hail damage, though many policies apply a separate percentage deductible for storms.
Flood Insurance
Separate-Policy

Flood Insurance

Flood coverage is a separate decision, since standard homeowners policies exclude rising water. As a participating community, 480134, in the National Flood Insurance Program (NFIP), Frisco gives residents access to federal flood policies. Lenders require one in high-risk zones, and buying early matters because coverage usually starts 30 days later.

WHAT AFFECTS YOUR HOME INSURANCE RATE IN FRISCO, TX

Home insurance rates in Frisco are shaped by a mix of personal and property factors, which is why no two policies cost exactly the same. Two houses on the same street can carry different premiums once insurers weigh each owner’s history alongside the age, size, and condition of each home. Location still plays a role, and properties in areas with higher storm or flood exposure generally pay more. Understanding these factors helps homeowners ask better questions when comparing quotes.

Home Age and Construction

Roof Age and Material

Distance From the Coast

Home Insurance Claims History

Credit-Based Insurance Score

Dwelling Value and Coverage Limit

Deductible Amount

Home Security and Safety Features

Neighborhood Crime Rate

Foundation or Water Damage Claims

Distance to Fire and Water Services

HOMEOWNERS INSURANCE COVERAGE OPTIONS IN FRISCO, TX

Dwelling Coverage

Dwelling Coverage

This rebuilds your Frisco home’s walls, roof, and built-in systems if a fire or severe storm leaves it unlivable, keeping mortgage obligations manageable.
Other Structures Coverage

Other Structures Coverage

This extends to fences, pergolas, and detached garages, helping families with large backyard structures recover when high winds topple or damage them.
Personal Property Coverage

Personal Property Coverage

This pays to replace household items lost to fire, burglary, or wind damage, and choosing replacement cost avoids depreciation reductions at claim time.
Loss of Use / Additional Living Expenses

Loss of Use / Additional Living Expenses

This funds temporary housing, restaurant meals, and extra commuting costs when repairs force you out, so a major loss never strands your household.
Personal Liability Coverage

Personal Liability Coverage

This defends you against lawsuits when a guest slips by the pool or your dog bites a neighbor, covering legal fees and settlements.
Medical Payments Coverage

Medical Payments Coverage

This settles small injury bills for visitors hurt on your property, regardless of fault, which suits homeowners who frequently host parties or events.
Windstorm and Hail Coverage

Windstorm and Hail Coverage

This repairs shingles, siding, and windows battered by spring hail or straight-line winds, a frequent concern for Frisco homes with older roofs.
Flood Insurance

Flood Insurance
This standalone policy pays for rising water damage that homeowners' plans exclude, helping properties near creeks or low-lying streets recover after flash flooding.
Water Backup Coverage

Water Backup Coverage

This optional endorsement handles cleanup and repairs when sewer or drain lines back up during heavy rain, a loss many standard policies omit.
Foundation Coverage

Foundation Coverage

This addresses slab cracks caused by sudden plumbing leaks under the home, though gradual shifting from clay soil movement is commonly excluded.

HOME INSURANCE DISCOUNTS IN FRISCO, TX

Frisco homeowners can lower their premiums by asking about discounts each time a policy is quoted or renewed. Insurers often reduce rates for impact-resistant roofs, monitored alarm systems, smart water leak detectors, and newer homes built to current codes. A claims-free record and continuous coverage can also earn credits. Bundling home and auto with the same carrier typically produces the largest savings. Since homeowners insurance in Texas varies widely by carrier, reviewing every available discount helps keep coverage strong and costs manageable.

Multi-Policy Discount

Claims-Free Discount

New or Renovated Roof Discount

Monitored Alarm System Discount

Protective Device Discount

Gated Community or HOA Discount

New Home Discount

First-Time Homebuyer Discount

Non-Smoker Discount

Loyalty Discount

Automatic Payment Discount

Paid-in-full Discount

Senior Citizen Discount

Group Discount

Early Renewal Discount

WHY FRISCO HOMEOWNERS CHOOSE CINCO

Competitive Rates

Industry Expertise

With or Without a License

With Good Credit, Bad Credit, or No Credit

Online/Phone/In-Person Services

Multiple Convenient Locations Near You

FREQUENTLY ASKED QUESTIONS ABOUT HOME INSURANCE IN FRISCO, TX

How much does homeowners insurance cost in Frisco, TX?
Homeowners in Frisco pay an average of $2,647 a year for coverage, about $221 a month. That is roughly 43% below the Texas average of $4,668, saving Frisco residents over $2,000 annually.
Do I need separate windstorm or flood coverage in Frisco?
No separate windstorm policy is needed in Frisco, since standard homeowners insurance covers wind and hail. Flood coverage, however, requires its own policy and is mandatory for federally backed mortgages in high-risk zones.
What affects homeowners insurance rates in Frisco?
Homeowners insurance rates in Frisco depend on your home’s age, roof condition, and rebuilding cost. Insurers also consider your claims history, credit-based insurance score, deductible, and local exposure to hail and flooding.
Does CINCO offer bundled home and auto insurance in Frisco?
Yes, CINCO bundles home and auto insurance for Frisco homeowners. Pairing both policies typically earns a multi-policy discount, and managing them together means one renewal schedule and one agent for questions or claims.
How do I get a homeowners insurance quote in Frisco?
Request a quote by contacting CINCO online or by phone. Share your Frisco address, home’s year built, roof age, and any recent claims, and a licensed agent will prepare coverage options for review.

LICENSED AND TRUSTED BY FRISCO HOMEOWNERS

Serving Texas since 1981, CINCO has spent more than four decades helping families choose coverage that fits their homes and budgets. That experience shows in more than 7,000 five-star Google reviews from clients who value clear answers, steady service, and agents who stay involved long after a policy is signed.

Frisco homeowners work with licensed agents who explain coverage limits, deductibles, and exclusions in plain terms before any decision is made. Our team also guides clients through the claims process after storm, hail, or freeze damage, and bilingual staff assists in English and Spanish to keep every client conversation clear.
LICENSED AND TRUSTED BY FRISCO HOMEOWNERS

GET YOUR FRISCO HOME INSURANCE QUOTE TODAY

Your Frisco home has changed since you bought your policy, and rebuilding costs have too. Reach out to a licensed CINCO agent for a customized quote that keeps pace with both.

Get The Protection You Need In 3 Simple Steps. Nothing More, Nothing Less.

Step 1

Tell us! what you want?

Step 2

Pick the best coverage that fits you!

Step 3

Get Your Insurance!

CINCO CARES - JUST ASK OUR CUSTOMERS!

With over 7,000+ 5 Star Google reviews and counting - we deliver what matters

Chris Daniels

Crystal has shown the epitome of professionalism. She has exceptional poise and ability. She is truly an asset to this company and the insurance industry. I look forward to future deals with her.

Google Review

Johnny Reighard

Edward was excellent. He was very friendly and highly knowledgeable, with an easygoing attitude and a down-to-earth personality. He helped us get a fantastic rate.

Google Review

Lloyd

This was a great experience. I enjoyed talking with Amanda. She was very nice, had great energy, and created a good atmosphere. We need more people like her. Thank you, Cinco!

Google Review

Kevin Hernandez

I had a really good experience with Edith. She made everything super easy, explained everything clearly, and helped me get a really good rate. I definitely recommend her.

Google Review

Marcos Guido

Sandy is awesome. She will help you as much as she can. She provided great customer service and was willing to go above and beyond to get me the best rate possible.

Google Review

Cliffton Boykin

Thank you to Julio Leija for assisting me with getting back on track with my coverage. He was polite and patient throughout the process. He helped me find the best insurance rate today!

Google Review

Rick Ciesielski

Maresa was very helpful with my auto insurance coverage. She clearly explained how I could pay my monthly premium online so I could keep my coverage from expiring.

Google Review

Kellye Carothers

Giselle was great at helping me get an insurance quote. She was very polite and helped me a lot. I will be meeting with her tomorrow to get my insurance. I hope you keep her—she’s really sweet.

Google Review

Joss M

I recommend coming here. I went to different insurance places to get quotes, but I had to come back to Cinco Insurance. Monica was a great help and provided the best quotes.

Google Review

Tashara

Denice was awesome in helping me find insurance for my car. I highly recommend her to anyone looking for insurance. She was able to find the lowest premium possible for me.

Google Review

Brandon Reyes

I’d like to thank Karina for helping me out today. She had a very pleasant voice and set everything up for me in a timely manner. I hope she has a blessed day!

Google Review

Edward Medina

Great service! Veronica was very understanding, took great care of me as a customer, and was very professional. Highly recommended for anyone looking for insurance.

Google Review

Arturo Rodriguez

I was looking for insurance during a very crucial moment, and this is where I found my solution. Thank you for the great service, especially Ms. Amanda. I truly appreciate your help.

Google Review

Maria Martinez

Cinco Insurance is awesome. They always answer my questions and are very professional. They always answer incoming calls and return calls in a timely manner. Julio, thank you for helping me.

Google Review

Abby Frausto

Five stars for Edith! She made the process super easy. Her customer service and communication skills were amazing. Thank you so much, Cinco Insurance!

Google Review

Chris Daniels

Crystal has shown the epitome of professionalism. She has exceptional poise and ability. She is truly an asset to this company and the insurance industry. I look forward to future deals with her.

Google Review

Johnny Reighard

Edward was excellent. He was very friendly and highly knowledgeable, with an easygoing attitude and a down-to-earth personality. He helped us get a fantastic rate.

Google Review

Lloyd

This was a great experience. I enjoyed talking with Amanda. She was very nice, had great energy, and created a good atmosphere. We need more people like her. Thank you, Cinco!

Google Review

Kevin Hernandez

I had a really good experience with Edith. She made everything super easy, explained everything clearly, and helped me get a really good rate. I definitely recommend her.

Google Review

Marcos Guido

Sandy is awesome. She will help you as much as she can. She provided great customer service and was willing to go above and beyond to get me the best rate possible.

Google Review

Cliffton Boykin

Thank you to Julio Leija for assisting me with getting back on track with my coverage. He was polite and patient throughout the process. He helped me find the best insurance rate today!

Google Review

Rick Ciesielski

Maresa was very helpful with my auto insurance coverage. She clearly explained how I could pay my monthly premium online so I could keep my coverage from expiring.

Google Review

Kellye Carothers

Giselle was great at helping me get an insurance quote. She was very polite and helped me a lot. I will be meeting with her tomorrow to get my insurance. I hope you keep her—she’s really sweet.

Google Review

Joss M

I recommend coming here. I went to different insurance places to get quotes, but I had to come back to Cinco Insurance. Monica was a great help and provided the best quotes.

Google Review

Tashara

Denice was awesome in helping me find insurance for my car. I highly recommend her to anyone looking for insurance. She was able to find the lowest premium possible for me.

Google Review

Brandon Reyes

I’d like to thank Karina for helping me out today. She had a very pleasant voice and set everything up for me in a timely manner. I hope she has a blessed day!

Google Review

Edward Medina

Great service! Veronica was very understanding, took great care of me as a customer, and was very professional. Highly recommended for anyone looking for insurance.

Google Review

Arturo Rodriguez

I was looking for insurance during a very crucial moment, and this is where I found my solution. Thank you for the great service, especially Ms. Amanda. I truly appreciate your help.

Google Review

Maria Martinez

Cinco Insurance is awesome. They always answer my questions and are very professional. They always answer incoming calls and return calls in a timely manner. Julio, thank you for helping me.

Google Review

Abby Frausto

Five stars for Edith! She made the process super easy. Her customer service and communication skills were amazing. Thank you so much, Cinco Insurance!

Google Review

Chris Daniels

Crystal has shown the epitome of professionalism. She has exceptional poise and ability. She is truly an asset to this company and the insurance industry. I look forward to future deals with her.

Google Review

Johnny Reighard

Edward was excellent. He was very friendly and highly knowledgeable, with an easygoing attitude and a down-to-earth personality. He helped us get a fantastic rate.

Google Review

Lloyd

This was a great experience. I enjoyed talking with Amanda. She was very nice, had great energy, and created a good atmosphere. We need more people like her. Thank you, Cinco!

Google Review

Kevin Hernandez

I had a really good experience with Edith. She made everything super easy, explained everything clearly, and helped me get a really good rate. I definitely recommend her.

Google Review

Marcos Guido

Sandy is awesome. She will help you as much as she can. She provided great customer service and was willing to go above and beyond to get me the best rate possible.

Google Review

Cliffton Boykin

Thank you to Julio Leija for assisting me with getting back on track with my coverage. He was polite and patient throughout the process. He helped me find the best insurance rate today!

Google Review

Rick Ciesielski

Maresa was very helpful with my auto insurance coverage. She clearly explained how I could pay my monthly premium online so I could keep my coverage from expiring.

Google Review

Kellye Carothers

Giselle was great at helping me get an insurance quote. She was very polite and helped me a lot. I will be meeting with her tomorrow to get my insurance. I hope you keep her—she’s really sweet.

Google Review

Joss M

I recommend coming here. I went to different insurance places to get quotes, but I had to come back to Cinco Insurance. Monica was a great help and provided the best quotes.

Google Review

Tashara

Denice was awesome in helping me find insurance for my car. I highly recommend her to anyone looking for insurance. She was able to find the lowest premium possible for me.

Google Review

Brandon Reyes

I’d like to thank Karina for helping me out today. She had a very pleasant voice and set everything up for me in a timely manner. I hope she has a blessed day!

Google Review

Edward Medina

Great service! Veronica was very understanding, took great care of me as a customer, and was very professional. Highly recommended for anyone looking for insurance.

Google Review

Arturo Rodriguez

I was looking for insurance during a very crucial moment, and this is where I found my solution. Thank you for the great service, especially Ms. Amanda. I truly appreciate your help.

Google Review

Maria Martinez

Cinco Insurance is awesome. They always answer my questions and are very professional. They always answer incoming calls and return calls in a timely manner. Julio, thank you for helping me.

Google Review

Abby Frausto

Five stars for Edith! She made the process super easy. Her customer service and communication skills were amazing. Thank you so much, Cinco Insurance!

Google Review
CINCO quote on a phone

CONTACT US!

Have questions or need assistance? Our team is here to help — reach out to us using the form below, and we'll get back to you as soon as possible.