Median build year 2009 means most original roofs are at the carrier inflection point — RCV becomes ACV, and claim checks shrink. We shop the carriers that still write fairly.
Home insurance in Frisco, TX comes down to a few things: 2009-era roofs now reaching prime hail-claim age on high-value homes, DFW’s hail exposure, and how your roof is valued at claim time. Texas homeowners pay among the highest premiums in the country — about $3,899 a year on average (Bankrate, June 2026), roughly 61% above the national average, and Frisco's higher home values push replacement costs - and premiums - above the state norm. Bome Home Insurance Group is an independent, Lewisville-based agency serving Frisco that compares multiple A-rated carriers to match homeowners with the most competitive premium available, with a quote back within 24 hours.
| Typical home value | ~$652,000-$674,000 (Zillow) |
|---|---|
| Median year built | 2009 |
| Ownership | ~65% owner-occupied |
| Texas average premium | ~$3,899/yr — ~61% above the national averageSource: Bankrate, June 2026 |
| 1% wind/hail deductible | ~$6,600 at a $665,000 dwelling limit |
| 2% wind/hail deductible | ~$13,300 at a $665,000 dwelling limit |
| DFW hail frequency | 3–5 significant events/yr; 2023 storms ~$7–10B insured TX losses (95% hail)Source: Insurance Information Institute, 2023 |
| Hail/wind claim deadline | 1 year from the date of lossTex. Ins. Code §542A.003 |
| Coverage basis to confirm | RCV vs. ACV — the gap widens on roofs 15+ years old |
Last updated: June 2026.
Frisco's housing stock is younger than the rest of DFW — median build year around 2009, typical home value around $674K. That sounds like an easy insurance market, and for a while it was. But "2009 build" now means "15-year-old original roof," which is exactly where carriers start to flip roof settlement from replacement cost to actual cash value. The first big hail claim is when a lot of Frisco owners discover that.
The other piece: at $600K+ values, your wind/hail deductible is well into five figures. A 2% deductible on a typical Frisco home is around $13,500 out of pocket before the carrier pays a dollar. Knowing that number — and choosing it deliberately — is most of the conversation.
DFW averages 3 to 5 significant hail events per year. The 2023 DFW hailstorms alone produced an estimated $7–10 billion in insured Texas losses (95% from hail), and Texas led the country with 1,123 hail events that year.
Most Texas policies require wind and hail claims to be reported within one year of the storm — check your policy's deadline. On older roofs paid at actual cash value, depreciation can shrink the carrier's payout below the actual repair bill. We model both scenarios at your home's real numbers before you sign.
Most of our clients save $300–$800 a year when we bundle home and auto with the same carrier. For Frisco households with multiple cars, teen drivers, and a clean loss history, the savings tend to land toward the higher end of that range.
We quote it both ways — bundled and stand-alone — and show you the math. If bundling isn't your best deal, we'll say so.
With home + auto bundled, adding $1 million of umbrella liability typically runs $200–$400 a year. For Frisco households with $600K+ equity, retirement savings, and teen drivers, it's one of the most efficient protection upgrades on the menu.
There's no single price - your premium depends on your roof age, dwelling limit, and claims history. As a benchmark, Texas homeowners pay about $3,899 a year on average (Bankrate, June 2026), and Frisco's higher home values push replacement costs - and premiums - above the state norm. Because we're independent, we compare multiple A-rated carriers to find your most competitive premium.
Your wind and hail deductible is typically 1-2% of your dwelling coverage, separate from your standard deductible. On a $665,000 Frisco home, that's roughly $6,600 to $13,300 out of pocket before a hail claim is covered.
Extended replacement cost adds a cushion (often 25-50%) above your dwelling limit so a total loss is covered even if rebuild costs spike. On Frisco's higher-value homes, where rebuilds run well above average, it's usually worth carrying. We'll show you the cost of adding it.
If you own a higher-value Frisco home, your assets likely exceed standard home and auto liability limits. A personal umbrella policy adds liability protection above those limits, usually for a modest premium. We size it to what you actually need to protect.
An older roof isn't automatically uninsurable, but on Frisco's 2009 homes many carriers move older roofs to actual cash value (ACV) instead of replacement cost value (RCV) - paying the depreciated value rather than the cost to replace. We confirm which basis a policy uses before you bind so there's no surprise after a storm.