Insurance Services
in Frisco, TX
Welcome to Kiesling Insurance Agency, where personalized service meets practical protection. Located near Frisco, Texas, we understand that families and business owners here are looking for more than just another insurance provider. You want someone who listens, someone who understands your needs, and someone who makes things simple, not more complicated. That’s what we do.
Frisco is a fast-growing, family-oriented, and business-savvy city. Whether you’re purchasing a new home in Phillips Creek Ranch, commuting to work from Stonebriar, or launching a business on Main Street, your insurance needs are unique. Our mission is to meet you where you are and help you protect what matters most: your family, your property, your lifestyle, and your peace of mind.
We take pride in being a local agency with a personal approach. Our team of licensed professionals serves as trusted advisors, not salespeople. We explain your options clearly, design coverage that reflects your lifestyle, and remain available to help throughout every chapter of your life.
Why Kiesling Insurance Agency is Right for Frisco
Frisco continues to attract new residents, new construction, and new businesses. It is one of the most dynamic cities in North Texas, known for great schools, upscale neighborhoods, and entrepreneurial energy. But with growth comes complexity, and that includes insurance. That’s where we can help.
Our agency was built on the idea that good insurance should be personalized, not standardized. We take time to understand your needs, explain your coverage in plain language, and offer guidance without pressure. When life changes, whether it’s a move, a new car, a growing family, or a business expansion, we’re just a call away. What sets us apart for Frisco clients:
- A team of licensed professionals available to serve you
- A long-term advisory approach, not just one-time policy sales
- Clear, educational conversations about your coverage options
- Experience with Frisco-specific risks, like severe weather and rapid development
- Deep commitment to protecting families, businesses, and property
Homeowners Insurance Tailored to Frisco Neighborhoods
Frisco’s housing market offers something for everyone, from luxury estates in Starwood and Stonebriar to townhomes near Legacy West. Each home presents its own risks and insurance considerations, which is why we offer tailored coverage designed around your exact situation.
Here’s how we help homeowners in Frisco:
Neighborhood-Specific Customization
In many Frisco communities, HOAs may require specific types of coverage, or your home may include high-end features like outdoor kitchens, pools, and media rooms. We build policies that meet both the minimum requirements and your personal expectations. We help ensure your policy reflects the value of your home and the features that make it special.
Severe Weather Protection
Frisco, like many North Texas cities, experiences severe weather regularly. From hailstorms to high winds, your property faces real threats. We help you understand how your policy handles storm damage, roof replacement, and additional living expenses if your home becomes temporarily uninhabitable.
High-Value Home Insurance
Luxury properties in Frisco often require more than a basic homeowners policy. Whether it’s custom architecture, rare finishes, or expensive collections, we offer policies that reflect the full replacement value and include options like scheduled personal property or guaranteed replacement cost.
Townhome and Condo Insurance (HO-6)
If you own a condo or townhome, your HOA likely has a master insurance policy for shared spaces. However, you still need personal coverage for everything inside your walls, including appliances, upgrades, and belongings. Our HO-6 policies make sure your individual unit is properly protected.
Flood Insurance Options
Even if your home is not in a FEMA-designated flood zone, Frisco’s rapid development has changed water flow patterns in many neighborhoods. Flash flooding or poor drainage can still pose risks. We help evaluate whether flood insurance is worth considering for your specific location and structure.
Auto Insurance for Frisco Families and Professionals
Frisco drivers have a wide range of needs. Whether you commute daily on the Dallas North Tollway, are teaching a teen to drive, or enjoy a high-end vehicle, your coverage should reflect your lifestyle.
Our auto insurance programs include:
Multi-Car Discounts for Families
Frisco households often include multiple drivers and vehicles. We help you combine policies for ease of management and potential savings. Multi-car policies also offer shared benefits like accident forgiveness or deductible waivers.
Teen Driver Coverage and Guidance
Adding a teen driver from Frisco High School or Wakeland can significantly impact your premiums. We help you minimize the financial impact through good student discounts, driver education credits, and safe-driving programs. We also walk you through policy limits and liability needs when young drivers are involved.
Commuter-Focused Coverage
If your job takes you down Sam Rayburn Tollway or into Dallas, we account for your commuting distance and frequency. Long commutes mean more time on the road, and we help ensure your liability, collision, and uninsured motorist coverage keep pace with those exposures.
Rideshare Insurance
Many Frisco residents supplement their income by driving for Uber or Lyft. However, personal auto policies typically exclude coverage during rideshare activities. We offer insurance that bridges the coverage gap between personal use and rideshare driving, keeping you protected every step of the way.
Luxury and Collector Car Coverage
If you own a sports car or classic vehicle, we offer specialty coverage with agreed-value policies, limited use terms, and options for restoration or storage protection. These policies reflect both the value and care you invest in your vehicle.
Home and Auto Bundling for Savings and Simplicity
Bundling home and auto insurance is one of the best ways to simplify your protection and lower your costs. We help Frisco clients combine their policies in ways that make sense financially and practically. Benefits of bundling include:
- Streamlined billing and renewal schedules
- Potential multi-policy discounts
- Simplified claims processes for incidents involving both home and vehicle
- Single point of contact for all coverage questions
- Option to add umbrella liability coverage for broader protection
We help you understand how bundling works, how it impacts your premiums, and whether it’s the right approach for your household.
Recreational Vehicle and “Toys” Insurance
Frisco residents love their leisure time. Whether you’re taking the RV on a road trip or launching a jet ski at Lake Lewisville, we offer protection for the vehicles you use for fun. Our recreational insurance options include:
- RV and motorhome insurance with liability, comprehensive, and vacation liability options
- Boat and watercraft insurance for personal use on Texas lakes
- Motorcycle insurance, including coverage for passengers and accessories
- ATV and off-road vehicle protection for both private and trail use
- Jet ski insurance with coverage for towing, docking, and storage damage
We review where and how you use these vehicles to build a policy that provides real-world protection.
Small Business Insurance for Frisco Entrepreneurs
Frisco is home to countless small businesses, including consultants, service professionals, and home-based entrepreneurs. Whether you run a boutique on Main Street or work from a laptop in your home office, we have insurance that supports your goals and protects your investment. Coverage options include:
- General Liability Insurance: Protection against common risks such as customer injuries, property damage, or advertising claims. It’s essential for nearly every type of business, especially those that interact with the public.
- Professional Liability (Errors and Omissions): Ideal for business consultants, real estate professionals, and other advisors. This coverage protects you from financial claims related to professional mistakes or service errors.
- Commercial Property Insurance: Whether you lease or own your office, your furniture, computers, inventory, and equipment need protection. This policy helps cover losses from fire, theft, vandalism, and more.
- Business Owner’s Policy (BOP): Combines liability and property coverage into one easy-to-manage policy. Perfect for small and midsize businesses looking to streamline their protection.
- Home-Based Business Insurance: If your business operates from your residence, your homeowners policy likely excludes business-related losses. We offer solutions that extend coverage to your business assets and risks.
Commercial Insurance for Growing Frisco Companies
As Frisco continues to welcome new corporate headquarters, medical practices, and tech startups, commercial insurance becomes more important than ever. We support expanding companies with scalable, flexible policies. We offer:
- Office Insurance: Covers leased or owned commercial space, business property, and liability exposures. Great for law firms, medical offices, and other professional environments.
- Commercial Auto Insurance: Fleet coverage or individual commercial vehicle policies, with options for liability, collision, and comprehensive protection. Also includes hired or non-owned vehicle coverage for temporary or employee-owned vehicles.
- Workers’ Compensation: Although not required for all Texas employers, workers’ comp helps protect your business from medical expenses and lost wages when employees are injured on the job.
- Cyber Liability Insurance: With more Frisco businesses relying on digital operations, cyber coverage is essential. It helps protect against data breaches, ransomware, and regulatory fines related to cyber events.
- Employment Practices Liability Insurance (EPLI): Covers claims related to employee allegations such as discrimination, harassment, wrongful termination, and more.
FAQs
What kind of homeowners insurance do I need in Frisco?
The type of coverage you need depends on the kind of home you own and where it is located. For example, homes in upscale communities may benefit from extended replacement cost coverage or higher liability limits. Homes in master-planned communities with shared amenities might require specific endorsements based on HOA guidelines. Additionally, homes with pools, custom landscaping, or home automation systems may require added protections. We take the time to understand your home’s structure, features, and location to tailor a policy that fits your needs, not just your address.
Can bundling my home and auto insurance save me money?
Yes, bundling typically offers both financial and practical benefits. You may qualify for multi-policy discounts, which can significantly lower your premiums. But the advantages go beyond savings. Bundling also simplifies your insurance management. You’ll have one renewal date, one bill, and one advisor to call for questions or changes. If you ever experience a claim that affects both your vehicle and home, the process is easier and more coordinated. We’ll walk you through the bundling process and evaluate whether it makes sense for your situation.
Do I need extra insurance for my home-based business in Frisco?
In most cases, yes. Homeowners insurance is designed to protect your personal property and liability risks, not business activity. If a client visits your home and gets injured, or if business equipment is stolen or damaged, you might not be covered under a standard home policy. Home-based business insurance fills those gaps. It can also cover business interruption, professional liability, and loss of digital data depending on the policy. We help Frisco entrepreneurs choose the right level of protection for their business.
What if I drive for a rideshare company in Frisco?
Driving for Uber, Lyft, or a delivery service typically creates a coverage gap in your personal auto insurance. While the rideshare company may provide partial coverage during certain phases of the ride, it often excludes the time when you’re logged into the app but don’t yet have a passenger. We offer rideshare-specific insurance that bridges those gaps. This ensures you’re protected whether you’re en route to pick up a rider, transporting passengers, or driving between fares.
Should I consider flood insurance in Frisco even if I’m not in a flood zone?
Yes, in many cases it is worth considering. Rapid urban development in Frisco has led to changes in drainage and runoff patterns. Even homes outside traditional flood zones have experienced water intrusion during heavy rain events. Standard homeowners policies do not cover flood damage, which includes rising water from outside your home. Flood insurance provides financial protection for your structure and contents in the event of water damage caused by external flooding. We can help you assess your property’s risk and determine whether this coverage is appropriate.
At Kiesling Insurance Agency, we are proud to serve Frisco and its surrounding areas. Please refer to the map below for our service area.
Need Insurance Services in Frisco, TX?
If you’re looking for an insurance agency that treats you like a person, not a policy number, Kiesling Insurance Agency is here for you. We understand what makes Frisco special, and we tailor our services to meet the unique needs of this growing and dynamic community.
Whether you’re protecting your family, insuring your business, or planning for the future, our team of licensed professionals is ready to help. We don’t believe in shortcuts or cookie-cutter plans. We believe in doing things right, explaining your options, answering your questions, and earning your trust. Contact us today to schedule a consultation or request a free quote. Let Kiesling Insurance Agency be your long-term insurance advisor in Frisco, Texas.