4J Insurance Agency
2591 Dallas Pkwy, Suite 300, Frisco, TX 75034
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Frisco households and business owners trust local agents to navigate carrier appetite shifts, underwriting requirements, and the claims process.
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2591 Dallas Pkwy, Suite 300, Frisco, TX 75034
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2591 Dallas Pkwy Suite. 300, Frisco, TX 75034
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6136 Frisco Square Blvd, Suite 400, Frisco, TX 75034
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8668 John Hickman Pkwy, #901, Frisco, TX 75034
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8501 Wade Blvd, #250, Frisco, TX 75034
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7905 Staley Drive, Frisco, TX 75036
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14009 Sowell Dr, Frisco, TX 75035
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6500 Preston Rd, Ste 201, Frisco, TX 75034
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9300 Wade Boulevard, Suite 101, Frisco, TX 75035
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2770 Main St, Suite 133, Frisco, TX 75033
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Learn about insurance coverage options specific to Frisco residents.
Frisco homeowners insurance costs $1,566-$2,647/year. Learn how new construction, hail exposure, and master-planned communities affect your rates.
Home InsuranceFrisco home insurance costs $1,566-$2,647/year. Learn about 2% hail deductibles, roof coverage changes, and how to protect your home in Texas's hail alley.
Car InsuranceFrisco drivers pay $1,400-$1,500/year for full coverage—below Dallas rates. Learn how bundling, telematics, and multi-car discounts save families money.
General Insurance EducationComplete 2025 Frisco insurance guide covering auto, home, and business needs. Learn about hail coverage, rates, and smart strategies for Texas families.
Renters InsuranceGet affordable renters insurance in Frisco for $17/month. Protect against hail damage, liability, and theft. Compare quotes for new apartments today.
Car InsuranceFrisco drivers pay $1,528-$2,400/year for auto insurance. Learn about Texas's 30/60/25 requirements, Dallas North Tollway traffic risks, and coverage tips.
Homeowners insurance in Frisco typically costs between $1,566 and $2,647 per year, or about $130 to $220 per month. Your actual rate depends on factors like your home's value, age, construction materials, coverage limits, deductible choice, and claims history. New construction homes and homes in master-planned communities often qualify for additional discounts that can lower these costs.
Yes, homes less than 10 years old typically qualify for new home discounts because newer construction means newer roofs, updated electrical systems, and modern plumbing that reduce claim likelihood. If you're buying or building new in Frisco, make sure your insurance agent applies this discount to your policy. Additionally, choosing impact-resistant roofing materials can provide substantial and permanent discounts due to reduced hail damage risk.
Wind and hail deductibles in Frisco are typically 1-2% of your home's insured value, though they can range from 1% to 5%. For a home insured at $350,000, a 2% deductible means you'll pay $7,000 out-of-pocket before insurance kicks in. Many Texas homeowners are seeing deductibles increase from 1% to 2% as insurance companies shift more financial risk to policyholders to control hail claim costs.
Master-planned communities can offer insurance advantages because they're designed with risk-reduction features like advanced stormwater management systems, elevated roadways, underground utilities, and modern building codes. These features can lower the likelihood of claims, particularly for flood damage. Many also have security features like gated entries that may qualify for additional discounts of up to 20% when combined with monitored security systems.
The most effective ways to reduce premiums are bundling home and auto insurance (15-25% discount), maintaining a claims-free record, installing a security system (up to 20% off), and choosing impact-resistant roofing materials. Shopping around annually is also critical, as rates vary significantly between insurers in Texas's volatile market. Make sure to ask about new home discounts if your home is less than 10 years old.
While most of Frisco isn't in high-risk flood zones, about 7% of buildings face significant flood risk, particularly near creeks and drainage areas. Standard homeowners policies don't cover flood damage, so if your home is near water or in a lower-lying area, you should seriously consider a separate flood policy through the National Flood Insurance Program. Master-planned communities with advanced stormwater systems may have reduced flood risk.
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