Frances was born on the 6 April 1867 at Christchurch. There are no records of her early life in Canterbury.
In 1884, Frances married Henry Haines Leopard at Christchurch. They first remained in Christchurch, the Timaru. The couple had the following children together.
| Child | Born | Married | Children | Died | Comments |
|---|---|---|---|---|---|
| Rebecca | 1884 | 8 Oct 1917 | 1 | 8 May 1950 | Tappenden |
| John Henry | 30 Jan 1886 | 10 Jan 1912 | 4 | 3 Sep 1968 | Brenchley |
| Agnes Isabella | 13 Jan 1888 | 2 Dec 1914 | 4 | 18 Feb 1976 | Smythe |
| Robert Charles Haines | 1890 | 28 May 1894 | – | ||
| Leslie | 1892 | 30 Sep 1892 | |||
| Frances Georgina | Jul 1894 | 6 Nov 1959 | |||
| Harold | 16 Jan 1897 | 1 May 1975 | |||
| Margaret | Oct 1902 | 1942 | 12 Aug 1972 | Doherty | |
| Alfred Edgar | 19 Apr 1908 | 27 Jul 1937 | 2 | 16 Apr 1988 | Urquhart |
| Trevor | 18 Oct 1909 | 1933/ 1956 | 26 Apr 1983 | Hall/ Baker |
The couple moved to Wellington just prior to 1900 and continued to grow their family.
Sadly, Henry passed at Wellington on the 10 December 1918 and his remains are buried in Karori Cemetery.
Frances passed away on the 11 October 1947 at Wellington and is similarly buried in Karori Cemetery
