Homeowners Insurance in Frisco, TX
Local independent agency. 15+ carriers. Same-day binders for closings.
Frisco homeowners are in a tough insurance market. Captive carriers are pulling back. Premiums keep climbing. Renewals arrive with non-renewal letters or quietly-doubled wind/hail deductibles. If that's been your experience this year, you're not alone — and you don't have to stay stuck with a carrier that's not investing in the Frisco market anymore.
TAP Insurance Agency is a Rhome-based independent agency serving Frisco, Plano, McKinney, and the broader North DFW corridor. We shop your home across 15+ carriers — including the carriers winning in Frisco right now, like Homeowners of America (HOA), Wellington, Swyfft, and Bamboo — and recommend the best fit for your specific home.
Why HOA (Homeowners of America) keeps winning in Frisco
If you've talked to a Frisco neighbor about their insurance recently, you've probably heard the name Homeowners of America (HOA). There's a reason: their underwriting appetite fits Frisco's housing stock almost perfectly. Newer construction, well-maintained homes, premium neighborhoods — exactly what HOA wants to write.
Three things HOA is doing right in Frisco today:
1. They didn't pull back when others did
Several of the household-name national carriers tightened or exited the Frisco market in 2024-2025. HOA expanded their Texas footprint. Stability matters more than price when your renewal actually has to renew.
2. Reasonable wind/hail deductibles
Several carriers now write 2% wind/hail deductibles by default in North Texas — meaning $10,000 out of pocket on a $500,000 home before coverage kicks in on a hail claim. HOA offers competitive flat-dollar and percentage options to match your appetite.
3. Fast, fair claim handling
HOA has built a Texas reputation for handling hail claims efficiently. That's the test that matters in DFW, where we average 800+ hail events per year.
Frisco neighborhoods we serve
15+ carriers shopped on every Frisco home
The Sola Wind/Hail Deductible Buy-Down
Frisco sits in one of the most active hail zones in the country. If your homeowners policy has a 2% wind/hail deductible — and most current Frisco policies do — that's $10,000+ out of pocket on a $500,000 home before insurance pays anything on a hail claim.
We're one of the only North Texas agencies offering Sola Wind/Hail Deductible Protection — a separate policy that pays your wind/hail deductible directly when a qualifying storm hits. Coverage from $2,000 to $25,000. Average savings ~$300/yr when paired with a higher HO deductible. Learn more →
What to bring to your Frisco quote
To get an apples-to-apples quote comparison in under 30 minutes, we need four data points from your current homeowners declarations page:
1. Dwelling coverage limit
"Coverage A" on your dec page. Critical: if you bought your Frisco home a few years ago, your dwelling limit may be set at the original purchase price — not current replacement cost. Texas construction is up ~35% since 2021.
2. Wind/hail deductible (dollar AND percentage)
If it's percentage-based, ask us about flat-dollar options. The premium difference is often smaller than you'd expect, and the out-of-pocket savings on a hail claim are real.
3. Year your roof was last replaced
Roof age drives carrier selection more than almost any other factor in DFW. A roof under 10 years opens up your best carrier options.
4. Claims in last 5 years (and what was paid)
Honest answers help us route your file to the carrier most likely to write you well at the best rate.
Get a Frisco homeowners quote today
Local independent agent. 15+ carriers shopped. Same-day binders for closings. We work for you — not for any single carrier.
Call (800) 666-2254 Text UsOr email nate@tapinsuretx.com with your declarations page attached for a full review.
Frisco homeowner FAQ
Same-day in most cases. Send us your current declarations page and the non-renewal letter, and we'll have 2-3 carrier options back to you within hours. We can bind same-day if the timing requires it.
No — HOA is one of 15+ carriers we work with. We mention them often because they're winning more Frisco home bundles than any other carrier right now. But your right answer depends on your specific home, claims history, and coverage needs. We shop everyone and recommend based on fit.
Absolutely — and you should. Bundle discounts in 2026 are running 10-25% across most carriers. We write Progressive, Safeco, GEICO, Bamboo, and several others on the auto side. A bundle review usually saves more than people expect.
Property address, purchase price, year built, square footage, lender info (for the mortgagee clause), and any prior claims on the property. We can run quotes immediately and bind the day before closing. Same-day binders are standard for purchases.
Older roofs narrow the carrier list but don't eliminate it. HOA, Wellington, and several other carriers still write homes with roofs 15-20+ years old depending on condition. We'll help you understand whether replacing the roof first will pay back in premium savings — sometimes it does, sometimes it doesn't.
About TAP Insurance Agency
TAP Insurance Agency is a Rhome-based independent agency owned and operated by Nate McLaughlin. We're licensed in Texas and Oklahoma, work with 15+ carriers across personal and commercial lines, and have a heavy focus on the North DFW corridor — Frisco, Plano, McKinney, and surrounding areas.
What "independent" means: we don't work for any single carrier, so we're not biased toward placing you with one company. Our only goal is finding you the best coverage at a fair price from the carrier most likely to renew you year after year.
Our office hours are Monday-Friday 7 AM - 7 PM, Saturday 9 AM - 6 PM, Sunday by appointment. We answer the phone. We text. We email back same-day. We're a small Wise County agency that takes Frisco service seriously.
Ready to see what we can do for your Frisco home?
20 minutes on the phone. 15+ carriers shopped. No obligation. The worst case is you learn your current policy is right-priced. The best case is we save you thousands.
Call (800) 666-2254 Book a 30-min Review