What Are the Best Types of Home Insurance Policies in Frisco

With a 2020 population of 236,604, Frisco is the 12th largest city in Texas, located in Collin County. There is a massive demand for homes in Frisco, and as a result, the home insurance policies have to be top-notch.

If you are a homeowner, you must get home insurance Frisco. This is a requirement of your mortgage company, and it protects you if something happens to your home. But what are the different types of policies available? And which one is right for you? Find everything you need to know here.

What Is HO?

Home Insurance (HO) is the most common type of insurance policy. It covers your dwelling, personal property, and liability. You are also protected against fire, theft, and weather damage.

Your lender will require you to carry HO insurance if you have a mortgage. But even if you own your home outright, it is still a good idea to have this type of coverage.

Some of the standard home insurance policies are:

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1) HO-A

The most basic type of homeowners policy is the HO-A, which provides coverage for damage to the structure of your home, its contents, and liability protection.

a) Coverage for the Structure of Your Home: The structure of your home is covered under an HO-A policy against damages caused by fire, windstorm, hail, theft, or other perils. If your home is destroyed and you have an HO-A policy, the insurance company will pay to rebuild it.

b) Coverage for Your Contents: This includes your furniture, clothing, electronics, and other personal belongings. If your home is burglarized and your belongings are stolen, the insurance company will reimburse you for their value.

c) Liability Protection: This home insurance in Frisco also provides liability protection if someone is injured on your property or if you accidentally injured someone. If you are sued for damages, the insurance company will pay for your legal expenses up to your policy limit.

HO-A policies are typically very affordable and provide good coverage for most homeowners. However, they do not cover specific risks such as floods or earthquakes.

2) HO-B

If you live in an older home, you may have difficulty finding coverage under a standard homeowners policy. That’s because insurers typically exclude specific perils from these policies, such as earthquake and flood damage.

But there is another type of homeowners policy covering those excluded perils: HO-B. This policy is also known as a broad form homeowners policy.

While an HO-B policy costs more than a standard homeowners policy, it may be worth the investment if you live in areas where natural disasters are common.

Talk to your insurance agent if you’re not sure whether you need an HO-B policy. They can help you determine whether this policy is right for you.

3) HO-C

It is the most common type of policy and usually has two parts. The first part covers your dwelling, which is the physical structure of your home. The second part, known as personal liability coverage, protects you from being sued for bodily injury or property damage that you or members of your family cause to other people.

Most HO-C policies have a deductible, which is the amount you have to pay before your insurance company starts paying claims. Under Texas House Bill 2102, approved in the most recent legislative session, roofing contractors who offer to waive a homeowner’s deductible on their property insurance policy could face jail time.


Insurance in Frisco is a must for all homeowners. Whether you are looking for protection from natural disasters or financial loss, there is a policy that will fit your requirements.

Adam Hansen

Adam is a part time journalist, entrepreneur, investor and father.