Freedom Insurance Group helps Plano households compare homeowners coverage without the hassle. Phone (800) 253-1482 or request a quote online.
Home insurance premiums in Plano, TX
| Scenario | Market estimate | FIG illustrated (40% less) |
|---|---|---|
| Typical Plano home (~$465,900) | $2,360/yr | $1,416/yr |
| $300,000 dwelling | $1,917/yr | $1,150/yr |
| $600,000 dwelling | $2,697/yr | $1,618/yr |
| $1,000,000 dwelling | $3,510/yr | $2,106/yr |
The typical homeowners insurance premium in Plano, TX is about $2,360 annually for a typical local home (typical local home value about $465,900). For a $300,000 dwelling, expect around $1,917 per year; for a $600,000 home about $2,697; and for a $1,000,000 dwelling about $3,510. Freedom Insurance Group rates are often about 40% lower — near $1,416 per year for a typical home, roughly $1,150 for a $300,000 home, about $1,618 for a $600,000 home, and around $2,106 for a $1,000,000 home.
| Dwelling Coverage Limits | Average Annual Premium (incl. Windstorm & Hail Coverage) |
|---|---|
| $100,000 – $200,000 | $1,490 |
| $200,000 – $300,000 | $1,666 |
| $300,000 – $400,000 | $2,045 |
| $400,000 – $500,000 | $2,315 |
| $500,000 – $600,000 | $2,577 |
| $600,000 – $700,000 | $2,782 |
| $700,000 – $800,000 | $2,952 |
| $800,000 – $900,000 | $3,175 |
| $900,000 – $1,000,000 | $3,398 |
Band premiums are midpoints on the Plano dwelling curve (typical local home value about $465,900). Illustrated estimates, not a quote.
Figures are 2026 market-style estimates for Plano, TX, using a typical local home value of about $465,900. Freedom figures apply an approximate 40% savings vs the local typical premium for illustration. Your quote depends on dwelling limit, roof, deductible, claims, and carrier. Not a guarantee.
How Plano home insurance quotes differ
Plano homeowners are priced on several connected factors that underwriters weigh when they build a quote. Rebuild cost, roof age and material, and local storm or wildfire exposure usually move the price the most, while deductible choice and claims history can swing the final premium as much as the carrier brand itself.
Define replacement cost as what rebuilding would cost the house with comparable materials at present-day prices. Since the carrier’s maximum payout rises with the rebuild estimate, larger figures for Plano houses generally raise premiums.
Frame or masonry walls, what the roof is made of, and how well the house is built all shape how a house performs against the wind, hail, and fire common across Texas, which is why construction type and roof details carry weight.
Location risk reflects storm, hail, wildfire, and crime scores that can differ by ZIP code and neighborhood within Plano, so two homes with similar rebuild costs can still get different prices.
A strong fire protection rating that reflects the protection class and nearby hydrants and stations can make a quote more competitive.
A recent claim on the house or by anyone in the household can push up the price for Plano renewals as well as new policies, since claims history still weighs heavily.
Credit-based insurance score, where permitted by state rules, is one more factor; better scores generally line up with lower prices when the carrier uses it.
A closer look at Plano, TX
Roughly 283,558 people live in Plano in Collin County, in the Dallas–Fort Worth metroplex.
Collin County DFW suburb with a large corporate campus presence and predominantly single-family neighborhoods.
Housing here is largely single-family homes typical of the Dallas–Fort Worth metroplex, and replacement cost, roof age, and construction type still explain most premium differences from street to street.
Insurers in North Texas often price in severe thunderstorms, hail, and tornado risk common across the Plains.
Our Plano office is at 4132 Burnhill Dr, Plano, TX 75024. Call (972) 798-3769, or see the Plano office page.
Discounts for Plano, TX 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% |
Discounts are not uniform across carriers, and the amounts vary. Read “up to” as the maximum, not a guarantee.
What a standard home policy includes
- Dwelling (Coverage A): It pays to rebuild the house itself after a covered loss, and it should match local rebuilding costs today.
- Coverage B, other structures: This handles anything detached from the main house, for example a garage, shed, or fence.
- Coverage C, personal property: Your furniture, clothes, and everyday belongings in the home are protected, though certain valuable items have lower limits.
- Loss of use (Coverage D): This coverage can help with additional living expenses when a covered claim makes the home unlivable for a while during repairs.
- Personal liability (E): If you are legally responsible for injuring another person or damaging their things in a covered incident, this part responds.
- Medical payments (F): Medical costs for a guest hurt at your home, often paid without a formal liability claim.
Flood is a separate policy and is not included in the home policy. A percentage wind/hail deductible is a percent of the dwelling limit, not of the claim. Example, not a local rate: a 2% wind/hail deductible on a $300,000 dwelling is $6,000 out of pocket before the home policy pays that claim.
Bundling home and auto in Plano, TX
The figures below illustrate average bundle savings, not a guaranteed quote. Actual savings depend on the carriers and drivers involved.
| Place | 1-car bundle | 2-car bundle | 3-car bundle |
|---|---|---|---|
| Plano, Texas | $160 | $240 | $340 |
Areas of Plano
- Suncreek
- Custer Hill Estates
- Robin’s Place
- Turnberry Village
- Highlands North
- Wyndemere
- Preston Square
- Prestondale
- Cypress Meadows
- Custer Meadows
- Creekside at Ridgeview
- The Villa
- Summer Park
- Sabine Park Estates
- Pitman Creek Estates
- Wooded Creek
- Dallas North Estates
- Woodburn Estates
Housing and weather facts for Plano
From 2000 on, Collin County has appeared in 6 major disaster declarations; the latest is Severe Storms, Straight-Line Winds, Tornadoes, and Flooding (May 2024).
Half of Plano’s homes were built in or before 1993. The stock is mixed: 18% date from before 1980 and 14% went up in 2010 or later.
Named places the USGS records in and around Plano include Shepton, Cowley, Renner, Lolaville, and Lebanon. Each area can price differently based on build era, roof, and fire protection.
ACS 2020–2024 estimates put about 117,686 housing units in Plano, and owner-occupants live in roughly 57% of the occupied homes. By structure type, 60% are detached single-family houses and 36% are in buildings with two or more units.
FEMA’s National Risk Index flags hail (“Very High”), tornado (“Very High”), winter-weather (“Relatively High”), and strong-wind (“Relatively High”) in Collin County.
Tornadoes are part of the picture too: NOAA recorded 2 tornadoes starting within 10 miles of Plano between 2016 and 2025, with the strongest at EF1 during March 2016.
NOAA’s Storm Events Database lists 169 hail reports within about 8 miles of Plano from 2016 through 2025 (144 at one inch or more). The largest was 4.5 inches in March 2019 near Allen.
For heat, Plano households mostly rely on electricity (51%) and utility gas (47%).
By the historical record, Plano was incorporated on June 2, 1873. Census counts put Plano at 222,030 residents in 2000 and 259,841 in 2010, and the Census Bureau’s July 2024 estimate is 293,286. Growth since 2000 comes to roughly 32%.
Older NOAA hail logs add more history: the Storm Prediction Center lists 71 hail reports within 5 miles of Plano between 1955 and 2015, the largest 3 inches on May 6, 2001. Reports of 2-inch or bigger hail number 9 in that span. NOAA Storm Prediction Center records list 18 tornadoes that began within 10 miles of Plano from 1950 through 2015; the strongest was an F2 on April 27, 1969. That tornado’s record lists 45 injuries.
Looking at neighboring communities? Nearby home insurance pages: Allen (6 mi), Richardson (6 mi), and Parker (7 mi).
Where we write coverage around Plano
75009 · 75023 · 75024 · 75025 · 75026 · 75071 · 75074 · 75075
Landlord insurance for Plano rental properties
If you own a rental in Plano and do not live there, a standard HO-3 homeowners policy usually does not fit. Landlord or dwelling coverage is built for the building, loss of rents, vacancy rules, and premises liability, while tenants carry their own renters policy for belongings.
Local weather and site risks in Plano (storms, hail/wind, flood exposure where relevant, and vacancy between leases) should shape deductibles, DP-1 / DP-2 / DP-3 choice, and whether you add flood or water-backup coverage.
Read our Plano landlord insurance guide, the statewide Texas landlord insurance hub, or call (800) 253-1482 for a rental quote. You can also request a quote online.
More Texas insurance pages
Compare home insurance quotes in Plano, TX
Plano residents get quotes from 25+ carriers through Freedom Insurance Group. Ready when you are: begin a home quote online or dial (800) 253-1482.
