For Frisco residents: independent agents who compare homeowners quotes from 25+ carriers.
Home insurance prices in Frisco
The typical homeowners insurance premium in Frisco, CO is about $4,436 annually for a typical local home (typical local home value about $839,500). For a $300,000 dwelling, expect around $2,698 per year; for a $600,000 home about $3,796; and for a $1,000,000 dwelling about $4,940. Freedom Insurance Group rates are often about 41% lower — near $2,617 per year for a typical home, roughly $1,592 for a $300,000 home, about $2,240 for a $600,000 home, and around $2,915 for a $1,000,000 home.
| Dwelling Coverage Limits | Average Annual Premium (incl. Windstorm & Hail Coverage) |
|---|---|
| $100,000 – $200,000 | $2,098 |
| $200,000 – $300,000 | $2,345 |
| $300,000 – $400,000 | $2,878 |
| $400,000 – $500,000 | $3,258 |
| $500,000 – $600,000 | $3,627 |
| $600,000 – $700,000 | $3,916 |
| $700,000 – $800,000 | $4,155 |
| $800,000 – $900,000 | $4,469 |
| $900,000 – $1,000,000 | $4,782 |
Band premiums are midpoints on the Frisco dwelling curve (typical local home value about $839,500). Illustrated estimates, not a quote.
Figures are 2026 market-style estimates for Frisco, CO, using a typical local home value of about $839,500. Freedom figures apply an approximate 41% savings vs the local typical premium for illustration. Your quote depends on dwelling limit, roof, deductible, claims, and carrier. Not a guarantee.
Frisco, CO: the local picture
Frisco has around 3,035 residents, located in Summit County.
Frisco is part of the Summit County area, where routine insurance shopping is shaped more by home characteristics and carrier appetite than by any single landmark.
Homes are mostly single-family properties typical of the Summit County area; replacement cost, roof age, and construction type still explain most premium differences from street to street.
Mountain towns often see wildfire, wind, and harder-to-rebuild dwellings reflected in home insurance pricing.
The six parts of a home policy
When a covered loss hits, this limit pays to rebuild the house itself; make sure it tracks current local reconstruction costs.
This portion applies to detached features such as a garage, shed, fence, or similar buildings that stand separate from the main house.
This coverage protects furniture, clothing, and everyday belongings inside the home, with special limits that may apply to higher-value categories.
If a covered claim forces you out during repairs, this coverage helps with additional living expenses.
Should you be held legally responsible for injuring another person or damaging their things from a covered event, it applies.
If a visitor is injured at your home, this covers medical costs, often without a formal liability claim.
Discounts for Frisco, CO homeowners
| Discount | What it means | Typical amount |
|---|---|---|
| New Home | New construction recently purchased | up to 40% |
| Age of home (5 yrs) | Newer homes | up to 26% |
| Bundle | Home and auto together | up to 25% |
| Upgrades | Electrical, plumbing, heating, roof updates | up to 20% |
| Hail-resistant roof | Class 1–4 impact roof | up to 12% |
| Claims-free | Multi-year claims-free history | up to 5% |
| Security / alarms | Monitored fire or burglar alarm | up to 4% |
| Paid in full | Pay annual premium upfront | up to 7% |
Discount availability and amounts differ from carrier to carrier. Read “up to” as the maximum, not a promise.
What shapes home insurance premiums in Frisco
Pricing for a Frisco home comes from a set of related inputs that carriers check as a group. Count on rebuild cost, the roof’s age and type, and local storm or wildfire exposure to move the number most. The deductible you pick and your claims record can swing the final price about as much as the carrier brand.
Rebuilding the home with similar materials at current labor and material costs sets what replacement cost means. Higher rebuild estimates for Frisco properties tend to raise premiums since the carrier’s maximum payout increases with that figure.
Construction type and roof details matter as well: underwriters check whether walls are frame or masonry, what covers the roof, and the overall build quality, since those details decide how it handles the wind, hail, and fire seen across Colorado.
Homes in Frisco with matching rebuild costs might not cost the same due to location risk: scores for storms, hail, wildfire, and crime that shift by ZIP code and neighborhood.
Carriers grade fire protection using the local protection class plus the distance to hydrants and stations; a stronger profile tends to mean a better rate.
Claims filed lately on the house or by anyone in the household can push up rates whether a Frisco policy is renewing or new, because claims history still weighs heavily.
Many insurers factor in a credit-based insurance score when state rules permit; the stronger the score, the lower the premium tends to be.
Frisco, CO home and auto bundling
The amounts shown are illustrated averages for bundling, not a quote. Actual savings depend on carriers and drivers.
| Place | 1-car bundle | 2-car bundle | 3-car bundle |
|---|---|---|---|
| Frisco, Colorado | $258 | $436 | $636 |
Housing and weather facts for Frisco
Census survey estimates (ACS 2020–2024) show about 3,561 housing units in Frisco, and owners occupy about 70% of the occupied homes. Of all units, 19% are detached single-family houses and 53% are in buildings with two or more units.
From 2000 on, Summit County has appeared in 2 major disaster declarations; the latest was Covid-19 Pandemic (March 2020).
NOAA storm records show 1 hail report within about 5 miles of Frisco from 2016 through 2025. The largest was 0.75 inches in June 2024 around Dillon.
Occupied homes in Frisco are heated mostly with utility gas (50%) and electricity (46%).
FEMA’s National Risk Index flags hail (“Relatively Moderate”) and winter-weather (“Relatively Moderate”) in Summit County.
Half of Frisco’s homes were built in or before 1989. Ages are mixed: 22% predate 1980 and 8.5% went up in 2010 or later.
Local history records show Frisco was founded in 1873 and incorporated on December 3, 1880. Census counts put Frisco at 2,443 residents in 2000 and 2,683 in 2010, and the Census Bureau’s July 2024 estimate is 2,732. The population has stayed fairly steady since 2000.
Comparing homes in nearby towns? See our home insurance pages for Dillon (4 mi), Silverthorne (6 mi), and Breckenridge (6 mi).
Frisco-area ZIP codes we insure
80443 · 80497
Keep exploring Colorado coverage guides
Frisco, CO home insurance quotes
Frisco residents get a comparison of 25+ carriers through Freedom Insurance Group. Call (800) 253-1482 or start a free home quote online.
