# 33° North Insurance Group | Independent Insurance Agency in Frisco, TX > 33° North Insurance Group is an independent insurance agency in Frisco, Texas. Robert Hutchings shops multiple carriers for auto, home, life and business insurance across North Texas. Call (972) 987-0650. Source: https://33north-ins.com/ # North Texas coverage, shopped for you A local independent agency in Frisco that compares multiple carriers for your home, auto, life and business insurance, so you don't have to. That's 33° North Insurance Group. [Get My Free Quote](https://33north-ins.com/quote) What are you protecting? [My car](https://33north-ins.com/quote?type=auto) [My home](https://33north-ins.com/quote?type=home) [Both](https://33north-ins.com/quote?type=both) **Independent** agency **One call** many carriers **Frisco, TX** local to North Texas Local to Frisco, TX ## Personal service, close to home. We're an independent agency, so we work for you, not an insurance company. Robert Hutchings shops your coverage across several carriers, explains your options in plain English, and stays with you from the first policy through every renewal. You work with the same local agent every time. 35 Insurance companies we can compare 21 Companies we can compare TX Texas-licensed agent 1 Business day to hear back [Call (972) 987-0650](tel:+19729870650) [Get a free quote](https://33north-ins.com/quote) Independent, on purpose ## One door, or 35. We open all of them for you. A captive agent can quote **one company**. If its price or coverage doesn't fit, you start over somewhere else.We represent **35 insurance companies**, plus specialty markets. We compare them for you, then explain your options in plain English. ## Watch us shop. Here's what happens after you send us your ZIP: we compare the companies that fit, then walk you through real options, not just a price. Sample household ### Frisco, TX - **2** drivers - **2** cars - **1** home - Bundle: auto + home Comparing across our 35 companies… **0** / 35 ### Lowest price $ $ $ Meets your lender and Texas law, with less room for a bad day. Liability 50/100/50 Uninsured motorist 50/100 Deductible $1,000 - Roadside Our pick ### Best value $ $ $ The coverage we'd choose for this household, at a fair price. Liability 100/300/100 Uninsured motorist 100/300 Deductible $500 - Roadside - Rental car ### Most protection $ $ $ Highest limits, lowest deductibles, plus an umbrella quote. Liability 250/500/100 Uninsured motorist 250/500 Deductible $250 - Roadside - Rental car - Umbrella option Sample options for an illustrative household, not a quote. Which companies can quote depends on your drivers, cars, home and ZIP, and your price will differ. We also work with the Simply Business small-business marketplace and specialty markets through CRC Group, RPS, Burns & Wilcox, RT Specialty and XS Brokers. [Already a client? Pay a bill or report a claim →](https://33north-ins.com/service-center/#carriers) ## 33° North Insurance Group helps protect the life you're building. [We shop. You choose. An independent agency comparing several carriers for you.](https://33north-ins.com/quote) [Talk to a real person. Robert, right here in Frisco. Not an 800-number queue.](tel:+19729870650) [A free review, every year. As your needs and the market change, your coverage keeps up.](https://33north-ins.com/quote) [Life insurance for growing families. Term and permanent options, compared across carriers.](https://33north-ins.com/life-insurance) [Landlords welcome. Coverage for the rental homes you own around North Texas.](https://33north-ins.com/landlord-insurance) [Local business owners. Business coverage for Frisco and North Texas companies.](https://33north-ins.com/business-insurance) [Ready for hail season. Roof, wind/hail deductible and coverage reviewed before spring storms.](https://33north-ins.com/home-insurance) [Bundle home + auto. One agency, one review, and bundling may lower what you pay.](https://33north-ins.com/quote) Most Popular ### Home Insurance North Texas homes, insured to real rebuild cost [Get a Quote](https://33north-ins.com/quote) [Learn More](https://33north-ins.com/home-insurance) Bundle & Review ### Auto Insurance Coverage well above the Texas state minimum [Get a Quote](https://33north-ins.com/quote) [Learn More](https://33north-ins.com/auto-insurance) Condos & Townhomes ### Condo Insurance HO-6 walls-in coverage your HOA policy skips [Get a Quote](https://33north-ins.com/quote) [Learn More](https://33north-ins.com/condo-insurance) Apartments & Rentals ### Renters Insurance Your belongings, protected where you rent [Get a Quote](https://33north-ins.com/quote) [Learn More](https://33north-ins.com/renters-insurance) Rental Property Owners ### Landlord Insurance Rental homes, the rent they earn, and your liability [Get a Quote](https://33north-ins.com/quote) [Learn More](https://33north-ins.com/landlord-insurance) For Business Owners ### Business Insurance Coverage for local Frisco and North Texas businesses [Get a Quote](https://33north-ins.com/quote) [Learn More](https://33north-ins.com/business-insurance) Flash-Flood Smart ### Flood Insurance NFIP flood coverage. Homeowners policies don't cover flood [Get a Quote](https://33north-ins.com/quote) [Learn More](https://33north-ins.com/flood-insurance) For Families ### Life Insurance Term and permanent options that keep plans intact [Get a Quote](https://33north-ins.com/quote) [Learn More](https://33north-ins.com/life-insurance) Weekends & Getaways ### Recreational RVs, boats, motorcycles, and everything fun [Get a Quote](https://33north-ins.com/quote) [Learn More](https://33north-ins.com/rv-insurance) ## More ways we protect you. Coverage built around real life. We Shop For You ### Several carriers. One honest comparison. We're independent, so we quote your coverage with multiple insurance companies, lay the options side by side, and help you choose. Then we keep shopping as the market changes. 1 Carrier quote #1 Same coverage, compared 2 Carrier quote #2 Same coverage, compared Your pick, explained Reviewed again at renewal Bundling ### One agency. Better together. Keep your home and auto in one place. We compare carriers for the pair, handle one review, and bundling may lower what you pay on both. H Home Policy Dwelling + liability A Auto Policy 2 vehicles, full coverage Bundled and covered One agency · one review Umbrella ### One more layer for what you've built. An umbrella policy adds liability protection above your home and auto limits. For families with a home, savings and teen drivers, it's often worth a quote. [See how it fits with home](https://33north-ins.com/home-insurance). "Our teen just got a license. Are we covered enough?" Umbrella layer added Above home + auto limits $ Savings protected Reviewed every year Annual Review ### Your life changes. Your coverage should too. New car, remodel, teen driver, new rental. Every year we re-check your coverage and discounts together, free. "Just added a pool and a new patio. Do we need more coverage?" Yearly review booked With Robert Beyond the Minimums ### The state minimum isn't a plan. The Texas state minimum rarely covers a serious crash on the Dallas North Tollway or SH 121, so we start every auto quote at 50/100/50. PIP and uninsured motorist coverage are included unless you reject them in writing, and they're worth keeping. We size coverage to what you have to protect. **Minimum** Texas legal floor Covers less than most new cars cost **Your plan** sized to your life Assets, family & lifestyle accounted for Landlords ### Rental homes, covered properly. Own a rental or two around North Texas? We cover the structure, the rent it earns, and the liability many owners miss. R Rental · McKinney Dwelling + loss of rent P Duplex · Plano Added to the same review $ Landlord liability The layer owners forget New Homebuyers ### Closing soon? Let's get it done. Lender-ready binders, escrow deadlines and proof of coverage, handled. One less thing between you and the keys. "Closing is Friday. Lender needs proof of insurance!!" Binder sent to lender Before closing day 🔑 Keys on Friday Covered from day one When It Happens ### The day you actually need us. A real person who knows your policy, walks you through the claim, and follows up until it's settled. This is what you're actually buying. ! Fender bender · SH 121 Everyone's okay Claim started with you On the phone, step by step Followed to the finish Check-ins until it's closed 33° NORTH INSURANCE GROUP ## Based in Frisco. Serving all of Texas. [Get a quote](https://33north-ins.com/quote) 100% Use + / − to zoom. Drag to move. Ctrl/⌘ + scroll also zooms.Tap + to zoom, then drag to explore. Frisco, TX Our home base Tap a city marker for a quote ## Ballpark it. Then get your real number in one call. Zip Code Annual Mileage 12,000 mi Coverage Level Basic: 50/100/50 (where we start) Full Coverage: + Collision & Comp Premium: Full + UM/UIM & Extras Driving Record Clean Record 1 Minor Violation 1 At-Fault Accident Multiple Incidents Household Drivers 1–2 adults 3+ adults Includes a teen driver Estimated Monthly Premium $164 per month Liability (50/100/50+) $66/mo Collision $54/mo Comprehensive $31/mo Add-ons $11/mo * Illustrative Texas estimates only, not a quote. Actual rates vary by carrier, driver, vehicle, coverage and ZIP. As an independent agency we compare several carriers. Bundling home + auto may lower what you pay. [Get My Quote →](https://33north-ins.com/quote) Home Value $350,000 Home Age 25 years Deductible $1,000 (Lower Deductible) $2,500 (Standard) $5,000 (Higher) $10,000 (High) Location Risk Lower hail exposure Standard DFW suburban High hail / storm corridor Older roof (15+ yrs) in hail zone Special Features None Pool Detached Garage / Workshop Pool + Outbuildings Estimated Annual Premium $2,860 per year ($238/mo) Dwelling $150/mo Personal Property $43/mo Liability $29/mo Other Structures $17/mo * Illustrative Texas estimates only, not a quote. Actual rates vary by carrier, home, coverage and ZIP. In North Texas, roof age and your wind/hail deductible matter, and flood is always a separate policy. As an independent agency we compare several carriers. [Get My Quote →](https://33north-ins.com/quote) Your Age 35 Coverage Amount $750,000 Term Length 10-Year Term 20-Year Term 30-Year Term Health Excellent Good Average Tobacco Use Non-smoker Smoker / tobacco user Estimated Monthly Premium $36 per month · level for the full term Coverage $750,000 Rate per $100k $4.80/mo Term 20 years Protection through age 55 * Illustrative term life estimates only, not a quote. Actual rates vary by carrier, age, health, term and coverage amount. As an independent agency we compare several carriers. Final rates depend on underwriting. [Get My Quote →](https://33north-ins.com/quote) ## Keep exploring [Get a quote](https://33north-ins.com/quote) [Flood coverage in North Texas](https://33north-ins.com/flood-insurance) [Meet Robert](https://33north-ins.com/about-robert-hutchings) [Call (972) 987-0650](tel:+19729870650) **35 insurance companies**, plus specialty markets. One agent working for you. - Travelers - Liberty Mutual - Nationwide - The Hartford - Progressive - State Auto - Grange Insurance - Integrity Insurance - Berkshire Hathaway GUARD - National General - Foremost - Main Street America - AmTrust North America - Berkley Aspire - Heritage Insurance - Narragansett Bay Insurance - Donegal - American Modern - Merchants Insurance Group - Bristol West - EMPLOYERS - MAPFRE Insurance - Swyfft - Utica First - Hagerty - Attune - CannGen - LIO - CSAA Insurance Group - Pie Insurance - Coterie - UFG Insurance - Branch - CNA - Kemper ## Why North Texas families work with an independent agent. No scripts, no call centers. More than one priceIndependent agency We can quote your home and auto with several companies, then lay the options side by side so you can see what each one really covers. Coverage sized to your familyHome, cars and kids A house, two or three vehicles and a teen driver on the way call for more than state minimums. We help you set limits that fit what you've built. Ready for hail seasonNorth Texas homes We walk you through your roof coverage and wind/hail deductible before spring storms, so a claim doesn't come with surprises. One local agentRobert Hutchings, Frisco Call and you reach Robert, the same agent who set up your policy. He reviews it with you each year as your family changes. [Talk with Robert →](#contact) Free policy review ## Already insured? Let us check it. Tell us what you carry now and we’ll check it against the carriers we work with. We look for gaps, overlaps and a better fit, then walk you through what we found. - **Share what you have now.** Start a quote or give us a call. Have your declarations page handy, or just tell us your current coverage. - **We compare it.** Robert checks your coverage and price against the carriers we work with. - **You decide.** We share what we found. No obligation, and nothing changes unless you say so. [Start my free review](https://33north-ins.com/quote) [Or call (972) 987-0650](tel:+19729870650) We use what you share only to review and quote your coverage, and it is never sold. ## Texas insurance questions. Straight answers. Why is my homeowners insurance going up in Texas? Most Texas rate increases have little to do with you and a lot to do with the weather and the cost of rebuilding. Spring hail and severe storms hit North Texas hard, and the labor and materials needed to replace roofs and rebuild homes cost more than they used to. Those pressures push premiums up even for homeowners who have never filed a claim. What you can control: your deductibles, bundling your home and auto, and making sure your dwelling limit matches what your home would actually cost to rebuild. And shopping. Because we're independent, we can compare several carriers at renewal instead of handing you one company's increase. How do hail and wind deductibles work in North Texas? Many Texas homeowners policies carry a separate wind/hail deductible figured as a **percentage of your dwelling coverage** instead of a flat dollar amount. In North Texas, 1% to 2% is common. On a home insured for $400,000, a 2% wind/hail deductible means $8,000 out of pocket on a hail claim, even if your regular deductible is lower. Terms vary by carrier. Your roof's age and material can also affect how a roof claim is paid, including whether it's settled at replacement cost or actual cash value. We'll show you where yours sits and what it would cost to change it. Does homeowners insurance cover burst pipes or a sewer backup? It depends on the cause. Sudden water damage, like a pipe that bursts in a hard freeze (North Texas homes learned this in the February 2021 winter storm), is often covered, though policies can limit claims tied to neglect or an unheated home. Water that backs up through drains or a sewer line usually is not covered **unless you add a water backup endorsement**. Neither one is flood. Flood insurance is for surface water rising from outside, and it's always a separate policy. We'll check what your policy covers and what it doesn't. Do I need flood insurance in Frisco? It's worth a serious look, even hundreds of miles from the coast. **A standard homeowners policy does not cover flood.** Flood is a separate policy, and we can help you get coverage through the National Flood Insurance Program (NFIP). Creeks and low-water crossings across Collin and Denton Counties can rise fast in a spring downpour, and flash flooding across DFW doesn't stop at flood-zone lines. NFIP policies usually have a 30-day waiting period before coverage starts, so don't wait for the forecast. If your home is in a high-risk flood zone and you have a mortgage, your lender will likely require flood coverage. How much homeowners insurance do I need? Enough to rebuild your home, not enough to rebuy it. Your dwelling limit should track the cost to reconstruct your house at today's labor and material prices, which has little to do with what you paid or what a listing site says it's worth. Under-insuring is the common mistake, and it only shows up at the worst possible moment, like after a big North Texas hailstorm when roofers and materials are in demand. We'll run the rebuild numbers with you. Is the Texas minimum auto coverage enough? Rarely. Texas sets a legal minimum for liability coverage, and it's lower than most households need. Texas is an at-fault state, so if you cause a serious crash on the Dallas North Tollway or SH 121, medical bills and today's vehicle prices can outrun those limits fast, and you could owe the rest. That's why we start every auto quote at 50/100/50: $50,000 per person and $100,000 per crash for injuries, plus $50,000 for property damage. Texas insurers must also offer personal injury protection (PIP, $2,500 minimum) and uninsured/underinsured motorist coverage (UM/UIM). Both are included unless you reject them in writing, and both are worth keeping. We size coverage to what you actually have to protect. How can I lower my car insurance in Texas? Start by shopping. As an independent agency, we can quote your coverage with several carriers and compare, instead of offering one company's price. Then the usual levers: bundle your auto with your home, condo or renters policy, raise your deductible if you have savings to cover it, drop collision on a car that isn't worth much anymore, and make sure every discount you may qualify for is applied. A paid-off car, a new driver, a move or a new commute can change what you pay, so we review it with you every year. What doesn't work is quietly cutting your liability limits. That may save a few dollars a month and exposes everything you own. How much life insurance do I need? A common rule of thumb is 10 to 12 times your annual income, but the better math is specific to you: what's left on the mortgage, what it would cost to raise and educate your kids, any debts that wouldn't disappear, and how many years your family would need income if you weren't here. Term life is often more affordable than people expect. Try the life tab in our rate estimator to ballpark it, then ask us to compare term and permanent options across the carriers we represent. What if insurance companies won't write my home? Because we represent several carriers, a decline from one company usually isn't the end of the road. We can often find another carrier that fits your home, roof and claims history. If no standard carrier will take it, the **Texas FAIR Plan Association** is the state's last-resort market for homeowners coverage. The Texas Windstorm Insurance Association (TWIA) only covers designated coastal areas, so it doesn't apply in Frisco. Questions about your rights as a policyholder can also go to the Texas Department of Insurance help line at 800-252-3439. What is umbrella insurance and do I really need it? An umbrella policy adds liability protection on top of the limits in your home and auto policies, usually starting at $1 million. If you're found responsible for a serious accident and the claim exceeds your underlying limits, the umbrella picks up from there instead of your savings, your equity or your future wages. For families with a home, savings and teen drivers, it's often a cost-effective layer. Ask us whether an umbrella makes sense for you; it pairs naturally with a home and auto bundle. What's the difference between condo insurance and homeowners insurance? Your HOA's master policy generally covers the building's structure and shared areas. Your condo policy, an HO-6, covers what the master policy doesn't: your interior walls, floors, cabinets and fixtures, your belongings, your personal liability, and loss assessments the HOA can charge back to you. The mistake is assuming the HOA has it handled. Read the master policy's limits, then insure the gap. We'll read it with you. Why use an independent insurance agent? An independent agency represents multiple insurance companies, not just one. That means we can shop your coverage across several carriers, compare price and coverage side by side, and recommend the right fit for you. We help you buy insurance rather than sell it to you, and we work for you, not an insurance company. It also means you don't have to start over when your needs or the market change. You work with Robert Hutchings, a local Frisco agent, from your first policy through every renewal. Still have questions? [Call (972) 987-0650](tel:+19729870650) . We'll give you a straight answer. ## Ready when you are. One call covers it all. Home, auto, life and business coverage from a local independent agency in Frisco. We shop several carriers so you don't have to. [Call (972) 987-0650](tel:+19729870650) [or **get a free quote** online](https://33north-ins.com/quote) ## Based in Frisco. Serving all of Texas. ### 33° North Insurance Group 📍 Office [7460 Warren Pkwy Ste 100 Frisco, TX 75034](https://www.google.com/maps/search/?api=1&query=7460%20Warren%20Pkwy%20Ste%20100%2C%20Frisco%2C%20TX%2075034) Serving Frisco, Collin and Denton Counties, and all of Texas 📞 Phone [(972) 987-0650](tel:+19729870650) The fastest way to reach us ✉️ Email [bobh@33north-ins.com](mailto:bobh@33north-ins.com) Questions, quotes and policy changes 🕐 Hours Mon – Fri: 9:00 AM – 5:00 PM Central Sat – Sun: Closed --- **33° North Insurance Group** · 7460 Warren Pkwy Ste 100, Frisco, TX 75034 · (972) 987-0650 · Mon–Fri 9:00 AM–5:00 PM Central Request a quote: https://33north-ins.com/quote-request (plain HTML form) or https://33north-ins.com/quote (guided).