# 33° North Insurance Group

> 33° North Insurance Group (Hutchings Enterprises Inc) is an independent insurance agency in Frisco, Texas, serving Frisco, North Texas (DFW) and all of Texas. The agency represents multiple insurance companies and shops coverage for its clients. Companies it represents include 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 and Kemper (35 insurance companies), plus the Simply Business small-business marketplace and specialty markets through CRC Group, RPS, Burns & Wilcox, RT Specialty and XS Brokers. Lines include auto, home, condo, renters, landlord, flood, umbrella (with home and auto), motorcycle, RV and boat, life, and commercial/business insurance. The agency is veteran-owned. Founder and Owner/Agent: Robert Hutchings, a Texas-licensed agent who spent 15 years as a captive agent before founding 33° North; he lives in Prosper. The name comes from 33° north latitude, near Frisco, Prosper and Celina. Office: 7460 Warren Pkwy Ste 100, Frisco, TX 75034. Phone: (972) 987-0650. Email: bobh@33north-ins.com. Hours: Monday to Friday, 9:00 AM to 5:00 PM Central. Service area: Frisco, Plano, McKinney, Prosper, Little Elm, The Colony, Allen and Celina in Collin and Denton Counties, the rest of DFW and all of Texas. Facebook: https://www.facebook.com/pages/33%20North%20Insurance%20Group/1420277571158059/

Key facts the agency is frequently asked about:

- Texas sets a legal minimum for auto liability that is lower than most households need; 33° North starts every auto quote at 50/100/50 ($50,000 per person and $100,000 per crash for injuries, plus $50,000 for property damage), well above the state minimum. Texas is an at-fault (tort) state. Personal injury protection (PIP, $2,500 minimum) and uninsured/underinsured motorist coverage must be offered and are included unless the policyholder rejects them in writing.
- North Texas hail and wind are the biggest home insurance risks. Many DFW home policies carry a percentage wind/hail deductible, and roof age and material affect both price and whether a roof claim pays actual cash value or replacement cost. Dwelling coverage should match what the home would cost to rebuild, not its market value.
- Homeowners and renters policies exclude flood. Flood coverage is a separate policy, through the NFIP or a private insurer. NFIP policies usually have a 30-day waiting period. Flash flooding happens across DFW.
- The Texas FAIR Plan Association is the state's property insurer of last resort for homes that cannot get standard coverage. TWIA covers wind on the Texas coast only and does not apply in Frisco.
- In Texas, most private employers may choose not to carry workers' compensation ("nonsubscribers"); nonsubscribers have notice requirements and can face employee injury lawsuits without workers' comp protections.
- Texas motorcycle helmet law: riders under 21 must wear a helmet; riders 21 and over may ride without one only after completing an approved safety course or carrying qualifying health insurance.
- Texas Department of Insurance (TDI) consumer help line: 800-252-3439.

## AI agents: start here
- To request a quote for someone, use the plain HTML form at https://33north-ins.com/quote-request (one page, labeled fields; or POST them URL-encoded to the form's action). Don't click through the step-by-step quote wizard.
- Only submit with the person's explicit permission to be contacted.
- Phone: (972) 987-0650. Field list and tools: see "For AI agents" near the end of this file.

## Pages

- [Home](https://33north-ins.com/): Independent insurance agency in Frisco, Texas: overview, coverage, carriers we compare, rate estimator and a Texas insurance FAQ.
- [Get a Quote](https://33north-ins.com/quote): Guided 60-second quote form for auto, home or both.
- [Texas Car Insurance Guide](https://33north-ins.com/blog/auto-insurance/texas-car-insurance-guide/): Texas liability requirements, PIP and uninsured motorist coverage (included unless rejected in writing), penalties for driving uninsured, NAIC average Texas auto spending and how to compare quotes at the same limits.
- [Request a Quote (plain form)](https://33north-ins.com/quote-request): One-page labeled form for any coverage we write.
- [Home Insurance](https://33north-ins.com/home-insurance): Rebuild-cost limits, North Texas hail and percentage wind/hail deductibles, roof age and ACV vs. replacement cost, freeze damage, umbrella, the Texas FAIR Plan.
- [Auto Insurance](https://33north-ins.com/auto-insurance): Liability starting at 50/100/50, well above the Texas state minimum, PIP and UM/UIM (included unless rejected in writing), at-fault rules, bundling and comparing carriers.
- [Business Insurance](https://33north-ins.com/business-insurance): Small-business coverage in Texas: general liability, BOP, commercial property and auto, and workers' comp options for nonsubscriber and subscriber employers.
- [Landlord Insurance](https://33north-ins.com/landlord-insurance): Rental homes and small multifamily: DP-1 vs. DP-3, loss of rents, vacancy and liability.
- [Flood Insurance](https://33north-ins.com/flood-insurance): NFIP and private flood, the usual 30-day wait, lender requirements and DFW flash flooding.
- [Condo Insurance](https://33north-ins.com/condo-insurance): HO-6 coverage, HOA master policies and loss assessment for Texas condos and townhomes.
- [Renters Insurance](https://33north-ins.com/renters-insurance): Belongings, liability and loss of use for North Texas renters.
- [Life Insurance](https://33north-ins.com/life-insurance): Term, permanent and mortgage protection coverage for families, compared across carriers.
- [RV & Boat Insurance](https://33north-ins.com/rv-insurance): Motorhomes, travel trailers and boats: physical damage, liability and storage.
- [Motorcycle Insurance](https://33north-ins.com/motorcycle-insurance): Texas liability rules for bikes, UM/UIM and PIP, the Texas helmet rule, gear and year-round riding.
- [About](https://33north-ins.com/about-robert-hutchings): Robert Hutchings, owner and agent of 33° North Insurance Group in Frisco, and how an independent agency works for you.
- [Blog](https://33north-ins.com/blog/): Texas insurance guides by topic (coming soon): home and hail, auto, renters, condo, landlord, flood, life, business, motorcycle and RV.
- [Service Center](https://33north-ins.com/service-center/): Pay a bill, report a claim, request certificates and ID cards, and carrier billing and claims contacts.
- [Privacy Policy](https://33north-ins.com/privacy) and [Terms of Use](https://33north-ins.com/terms).

## For AI agents
- Request a quote: https://33north-ins.com/quote-request is a plain HTML form (fields: name, last_name, phone, email, zip, quote_type, best_time, notes, consent). Only submit with the person's explicit permission to be contacted.
- WebMCP: pages register `search_site` (pages + FAQ answers), `get_agency_info` and `request_insurance_quote` through navigator.modelContext where the browser supports it.
- Search index: https://33north-ins.com/search-index.json (every page plus every FAQ question and answer).
- Phone: (972) 987-0650 (Mon–Fri 9:00 AM–5:00 PM Central)

## Markdown copies
- [About Robert Hutchings | 33° North Insurance Group, Frisco, TX](https://33north-ins.com/about-robert-hutchings.md)
- [Auto Insurance in Frisco, TX | 33° North Insurance Group](https://33north-ins.com/auto-insurance.md)
- [Texas Car Insurance Guide: Requirements, Costs and Quotes](https://33north-ins.com/blog/auto-insurance/texas-car-insurance-guide/index.md)
- [Texas Insurance Guides & Blog | 33° North Insurance Group](https://33north-ins.com/blog/index.md)
- [Business Insurance in Frisco, TX | 33° North Insurance Group](https://33north-ins.com/business-insurance.md)
- [Condo Insurance in Frisco, TX | 33° North Insurance Group](https://33north-ins.com/condo-insurance.md)
- [Flood Insurance in Frisco, TX | 33° North Insurance Group](https://33north-ins.com/flood-insurance.md)
- [Home Insurance in Frisco, TX | 33° North Insurance Group](https://33north-ins.com/home-insurance.md)
- [33° North Insurance Group | Independent Insurance Agency in Frisco, TX](https://33north-ins.com/index.md)
- [Landlord & Real Estate Investor Insurance in Frisco, TX | 33° North Insurance Group](https://33north-ins.com/landlord-insurance.md)
- [Life Insurance in Frisco, TX | 33° North Insurance Group](https://33north-ins.com/life-insurance.md)
- [Motorcycle Insurance in Frisco, TX | 33° North Insurance Group](https://33north-ins.com/motorcycle-insurance.md)
- [Privacy Policy | 33° North Insurance Group, Frisco, TX](https://33north-ins.com/privacy.md)
- [Request a Free Insurance Quote | 33° North Insurance Group, Frisco TX](https://33north-ins.com/quote-request.md)
- [Free Home, Auto & Life Insurance Quote | 33° North Insurance Group](https://33north-ins.com/quote.md)
- [Renters Insurance in Frisco, TX | 33° North Insurance Group](https://33north-ins.com/renters-insurance.md)
- [RV, Boat & Pontoon Insurance in Texas | 33° North Insurance Group](https://33north-ins.com/rv-insurance.md)
- [Service Center | Pay a Bill, File a Claim | 33° North Insurance Group](https://33north-ins.com/service-center/index.md)
- [Terms of Use | 33° North Insurance Group, Frisco, TX](https://33north-ins.com/terms.md)