Huge Discounts For Plano Texas Home Insurance

Home Insurance Discounts Available in Plano, TX

Home Discount Name

Home Discount Description

Discount Amount

New Home

New Construction Recently Purchased

up to 40%

Age of home

5 Years Old

up to 26%

Bundle

Home And Auto

up to 25%

Upgrades

Electrical, plumbing, heating, roof full updates

up to 20%

Age of home

10 Years Old

up to 13%

Construction type

Fire Resistive

up to 11%

Advance Purchase

7 Days Advance Purchase

up to 8%

Loyalty

10+ Years Renewal

up to 8%

Construction type

Masonry

up to 7%

Paid in Full

Paid in Full

up to 7%

Loyalty

5 Years Renewal

up to 6%

Fire Sprinklers

Sprinklers

up to 9%

Claims Free

5 Year Claims Free

up to 5%

Claims Free

10+ Year Claims Free

up to 5%

Hail Resitant Roof

Hail Resistant Roof (class 1,2,3,4)

up to 12%

Loyalty

3 Years Renewal

up to 5%

Fire Alarm

Central Station

up to 2%

Gated Community

With Patrol

up to 2%

Burglar Alarm

Police Department

up to 4%

Burglar Alarm

Central Station

up to 4%

Age of home

15 Years Old

up to 4%

Water Safety System

Water Leak Detection – Shut Off And Alarm

up to 4%

Water Safety System

Water Leak Detection – Shut Off

up to 3%

Gated Community

Without Patrol

up to 2%

Water Safety System

Water Leak Detection – Alarm

up to 3%

Automatic payments

Electronic Fund Transfer

up to 3%

Burglar Alarm

Local

up to 1%

Fire Alarm

Local

up to 1%

Age of home

20 Years Old

up to 2%

Smoke Detector

Smoke Detector

up to 1%

Fire Extinguisher

Fire Extinguisher

up to 1%

Storm Shutter

Storm Shutters

up to 1%

Deadbolt

Deadbolt

up to 1%


How Much Does Plano TX Homeowners Insurance Cost?

Median Home worth and Median Dwelling Income:

· Median Home worth (owner occupied): $391,299

· Median Household income: $102,125

At Freedom Insurance Group, our clients in Plano, TX pay on average $1,530 annually for homeowner’s insurance. We are saving our clients about $891 in comparison to the city average of $2,021. If you decide to bundle auto insurance with your home insurance quotes that savings is typically much more.

POPULAR COVERAGE LIMITS IN PLANO TEXAS

Coverage Level

Average Annual Rate

$200,000 Home

$1,143

$250,000 Home

$1,266

$400,000 Home

$1,634

$500,000 Home

$1,743

$600,000 Home

$1,865

$750,000 Home

$2,105

*Information retrieved from the Texas Department of Insurance from Help Insure and averaged with internal data

Plano, TX Auto and Homeowners Insurance Bundling Discounts Average rates

Place

1 Car Bundle Savings On Insurance

2 Car Bundle Savings On Insurance

3 Car Bundle Savings On Insurance

Plano, Texas

$161

$212

$331


Most companies consider these things when deciding on your premium:

  • Your home’s age and condition. Companies can’t turn you down just because of your home’s age or value, but they can charge you more.
  • Your home’s replacement cost. Houses with higher replacement costs have higher premiums.
  • Construction materials. Premiums are higher for houses built completely of wood. They’re lower for houses built of brick or stone.
  • Where you live. Premiums are higher in areas that have more storms or crime.
  • Availability of local fire protection. Premiums are lower for houses that are close to fire stations.
  • Your claims history. Your premiums might be higher if you’ve had claims in the past.
  • Your insurance score. Some companies use your credit score to decide what to charge you. Your premiums will be lower if you have good credit.

What does the standard Home Insurance Policy in Plano, TX Include?

Homeowners insurance offers coverages with the goal of protecting your home, personal belongings, and your liability in case your home becomes damaged to a peril/loss including a visitor’s medical fee, fire, robbery /vandalism, etc. Policies vary, but take a look at some of the most usual coverage choices below:

  • Dwelling Coverage (A): this protects your home’s physical structure, for instance, your home’s foundation, roof, and walls. It can even protect structures that are linked to your home such as a deck, detached garage, or patio. Dwelling coverage is an important coverage for homeowner’s insurance.
  • Other Structures Coverage (B): whereas the principal structure of your home is covered by dwelling coverage, structures that are not linked to your home will require other structures coverage to stay protected. This encloses decks, detached garages, sheds/shops, etc.
  • Personal Property Coverage (C): protects against damaged personal possessions that happen from particular perils including fires, theft, or vandalism. Each policy differs and what is or isn’t covered will depend on your insurance company. For more costly objects such as art or jewelry, you may need extended coverage options.
  • Loss of Use/Additional Living Expenses Coverage (D): should a covered peril generate a circumstance in which your home is unlivable, this coverage aids you pay for where you temporarily live while waiting for your home to be rebuilt to a habitable state.
  • Personal Liability Coverage (E): this coverage is to protect homeowners against possible medical expenses that can accumulate should a visiting party become injured on your property and you are found responsible. Personal liability coverage can also cover possible legal fees related with the injury.
  • Medical Expenses Coverage (F): within your homeowner’s insurance policy, it helps to cover the essential medical bills of a guest in your home should they become hurt while visiting your property. Medical expenses coverage can even help balance costs if you are not responsible.

Supplementing Your Homeowners Insurance Policy

There are several perils your home may face that aren’t covered by your standard home insurance policy. Through endorsements, additional coverage options, and changing your homeowners insurance policy, you can gain even more protection. Take a closer look at some of the options you have when searching for additional protection and speak with an agent to find the best options for your needs:

  • Flood Insurance- Floods continue to devastate cities across Texas and the United States and you may be surprised to learn that flood damage is not covered by your homeowners insurance. The Dallas, TX, region has a moderate risk of flooding over the next 30 years according to Flood Factor making it a threat to residents in the area. As many as 1 in 4 flood claims come from homeowners who live outside of high-risk areas. Adding flood insurance helps protect against a common threat to your home by helping you restore flood-related losses.
  • Umbrella Insurance- Liability protection is important for every homeowner but for those with more to lose, it is a critical component. In the event of a lawsuit, your assets could become vulnerable without the right protections in place. Avoid losing what you’ve worked hard for by purchasing umbrella insurance that can cover your valuables after you’ve reached your policy limits.
  • Scheduled Personal Property Coverage- Your homeowners insurance policy will protect your personal belongings, but there are policy limits. If you are looking to protect valuables like jewelry and fine art with values that exceed your coverage, this endorsement can help protect your high value or unique items
  • Extended Replacement Cost- Although not all losses are completely devastating, some are and can exceed the amount of coverage you have for your home. For example, one of the rarest perils a homeowner may face is also the most expensive, a house fire. If you suffer a total loss and require replacing your possessions and rebuilding your home, extended replacement cost coverage can help you cover losses outside of your homeowners insurance’s coverage.

The Secrets to Saving on Home Insurance

If you’re a homeowner, chances are you’re going to want to save money on your home insurance policy. A home is your shelter and your investment. Putting a significant amount of money into your home is a great financial move, but you’ll also need to protect your interest. Home insurance policies differ from homeowner to homeowner. This is due to several reasons including your coverage needs, personal factors which affect your premium, and characteristics of your home, just to name a few. But saving on a home insurance policy is the shared dream of all homeowners. Your dream can be a reality through these easy to follow tips:

  • Compare your rates among a variety of insurance brands. Each insurance brand will assess your risk differently which leads to differing insurance premiums. By shopping around you can find the right company for your needs.
  • Bundling: your home insurance policy with your auto insurance
  • Increase your deductible for a lower home insurance premium.
  • Install improvements to your home that increase its ability to sustain natural disasters, prevent crime, or keep your household safe. (Examples: Hurricane grade storm shutters, security systems, a fire alarm system with sprinklers, etc.)
  • Loyalty discounts: Customers who stay with the same insurance company for a long time are rewarded with discounts.
  • Near a fire hydrant/fire station: The closer you are to a fire hydrant and also the fire station, the faster fires can be put out, earning you a discount.
  • New home: New homes typically are built with stronger safety innovations, making claims less costly.
  • High-quality roof: Hail and wind damage are among the top reasons homeowners file a claim. A sturdy roof can lower your premiums. (Of course, it lowers your heating bill and looks nice, too. Sweet!)
  • Tidy yard: When insurance reps visit your property, they like to see it looking spiffy. Neatly trimmed grass, shrubs, and trees lower fire risk and show the insurance company that you care about your property. Discount!
  • Avoid recreational hazards: A home without a pool or trampoline is at much less of a risk of a claim, earning you a discount on your coverage.

There are plenty of ways to save money on your policy and seeing as every homeowner needs this protection, it only makes sense to receive it at the lowest rate. Texas has some of the highest home insurance rates in the country making it imperative for homeowners to take the necessary steps to save money. Shop around, bundle when you can, and do your part in protecting your home for the best results.

The benefits of allying with Freedom Insurance Group for Home Insurance in Plano:

At Freedom Insurance Group, we are convinced that getting first class home insurance should be easy and inexpensive. We shop 25+ quality Insurance companies to find a policy that suits your necessities and finance without ever bargaining on coverage.

We compare and shop your home insurance with our multiple insurance carriers in pursuit for the best coverage and value.

We want our customers to always save on home insurance, so yearly when it’s time to renew, we’ll re-shop and rate your policy to find the best rate for you. You’ll never overpay for insurance again when you choose Freedom Insurance Group!

Freedom Insurance Group is Plano’s Finest Home Insurance Provider

Plano is a city in Collin County and Denton County, Texas. The population as of 2021 is 287,680. It’s a portion of the Dallas/Fort Worth urban area. The word “plano” is Spanish for plain. Plano was described by the area’s residents as a plain terrain and bare of trees. Plano, contains a diverse population known for its sturdy businesses. Recognized as the “City of Excellence”, Plano continues to provide a sense of balance and minor-town appeal with big-city competence. Both tourists and dwellers alike can find multiple activities to enjoy and various restaurants. Freedom Insurance Group is proud of being the main insurance provider in the area, offering superb rates and coverages!

We insure home and auto insurance for Plano Texas in these Zip Codes

75023, 75024, 75025, 75026, 75074, 75075, 75086, 75093, 75094

Resident Resources in Plano

Police Department in Plano

Fire Department in Plano

909 14th St, Plano, TX 75074

(972) 424-5678

206 N Murphy Rd Plano, TX 75094-3512

(972)-468-4000

Plano City Hall

Plano Animal Services

1520 K Avenue

Plano, TX 75074

972-741-7000

4028 W Plano Parkway

Plano, TX 75093

972-769-4360

plano texas insurance people


Major Neighborhoods in Plano, TX

Armstrong Park

Highlands of Russell Park

Renaissance

Avignon Windhaven

Hills at Prestonwood

Ridge Gate Estates

Beverly Hills Estates

Hills of Spring Creek

Ridgeview Park

Biltmore Racquet Club

Hudson Heights

Ridgeview Ranch

Briar Meadow

Hunters Glen

Ridgewood

Briarmeade

Hunters Landing

River Bend

Briarwood Estates

Hunters Ridge

Royal Oaks

Bunker Hill Estates

Huntington Park

Sabine Park Estates

Cambridge Place

Kathryn Park

Santa Fe Estates

Carriage Hill

Kimberlea

Shoal Creek

Castlemere

Kings Gate

Spring Creek Parkway Estates

Chase Oaks

Kings Ridge

Spring Ridge

Cimarron

Knolls at Russell Creek

Steeplechase

Cloisters

Lakeside on Preston

Stone Creek

Collin Greene

Legacy Hills

Stonehaven Place

Commodore at Preston

Legacy Park Estates

Stonetree

Covington Square

Legacy Town Center

Stoney Hollow

Creek Trails

Los Rios

The Hills at Prestonwood

Creekbend Estates

Malibu Estates

Timber Brook Estates

Creeks of Timber Brook

Midway Park

Town West

Creeks of Willow Bend

Normandy Estates

Townbluff

Creekside Estates

Northglen

Trails of Glenwood

Cross Creek

Northrige Estates

Villages of Preston Creek

Cypress Point

Oak Point Estates

Villages of Russell Creek

Dallas North Estates

Oakbrook Estates

Villas at Legacy West

Deerfield

Oakwood Glen

Villas of Los Rios

Denham Village

Old Shepard Place

Villas of Pecan Creek

El Ranchero Country Estates

Park Blvd Estates

Wellington at Preston Meadows

Estates of Forest Creek

Park Forest

Wellington Run

Fairfax Meadows

Parker Road Estates

Wells Park

Forest Creek Estates

Parkway Estates

Wentworth

Forest Creek North

Parkway Heights

West Creek

Fox Trails

Pasquinellis Parker Estates

West Park

Gatherings® at Plano Gateway

Pasquinellis Westbrook

Westgate

Glen Heather

Pasquinellis Willow Crest

Whiffletree

Glen Meadows

Pebble Brook at Willow Bend

Willow Bend

Gleneagles

Pitman Creek Estates

Willow Bend Country

Glenhollow Estates

Plano East

Willow Bend Lakes

Glenview

Plano Park

Willow Bend North

Harrington Homeplace

Ports Ocall

Willow Bend Park

Heatherwood

Prairie Creek Estates

Willow Bend Polo Estates

Heritage Ridge Estates

Preston Lakes

Willow Bend West

Hidden Creek Estates

Preston Meadow

Windhaven

High Place

Preston Ridge

Windrose Tower

Highland Ridge

Prestondale

Wooded Creek

Highlands North

Redhill Springs

Woodlands of Plano

Freedom Insurance Group is Proud to Serve Plano, Texas

Knowing you’re protected with the right coverages can bring you peace of mind. Finding the right coverages for the lowest price will deliver the protection you deserve while keeping money in your pocket. Freedom Insurance Group understands and helps find homeowners throughout Plano, Texas, the right coverage options for their needs at the lowest cost possible.

We get to know our clients to better understand their needs. Each homeowner’s needs are different and by creating a custom approach to your insurance needs we can prevent gaps in your coverage while saving you the most amount of money.

Our agents work for you by comparing your coverage needs among more than 25 top-rated insurance companies with strong financial ratings and a range of coverage options. By comparing your coverage among multiple brands, we can build a custom coverage option for you and your home that doesn’t break the bank. Contact us today or get a free home insurance quote with only a few clicks of a button.

Freedom Insurance specializes in the following Texas Insurance Services:

Contact Us

Freedom Insurance Group
3861 Long Prairie Rd Ste 110
Flower Mound, TX 75028
Phone: (972) 798-3769

BUSINESS HOURS

M-F: 8:30 am - 6:00 pm
SAT: 10:00 am- 2:00 pm
SUN: closed

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