Homeowners Insurance2022-02-01T10:54:01-05:00

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Homeowners’ insurance provides financial protection against disasters. A standard policy insures the home itself, and the things you keep in it.

Homeowners’ insurance covers both damage to your property, your liability or legal responsibility for any injuries, and property damage that you or members of your family cause to other people. This includes damage caused by household pets.

Damage caused by most disasters is covered, but there are exceptions. The most significant exceptions include damage caused by floods, earthquakes, and poor maintenance. You must buy two separate policies for flood and earthquake coverage. Maintenance-related problems are the homeowner’s responsibility.

What Our Customers Say:

It has been a great pleasure working with Joe. He is very thorough and professional. He goes the extra mile and takes care of all the details. Joe is my agent for both homeowners and auto insurance. I have saved over $600 on auto alone. I appreciate his knowledge and his communication skills. He has exceeded my expectations. I look forward to working with him in the future. I recommend Joe for all insurance needs, he's a great agent.
Dan Standish
18:05 25 Sep 22
Thank you Joe for being so transparent, and thorough when explaining the best policies in such a tough market. You made this process so smooth!
Charli Shea
19:52 22 Sep 22
Joe is knowledgeable, professional and saved me money! Give Fearnow a call! You won’t be disappointed!
Marsha Kingery
21:01 21 Sep 22
Joe provided OUTSTANDING customer service, had great communication, and saved me a bunch of money. Highly recommended!
Eric Werbeck
22:09 20 Sep 22
Joseph Boyle really took care of me top notch aces all the way. He helped me work around problems on my end and is very knowledgeable, kind and professional. He found the best insurance for the best price for me. I couldn’t ask for better service. Add an extra star ⭐️!!!
Philip Lee
17:10 24 Aug 22
Joe Boyle was amazing. He made it so easy and effortless to get everything taken care of in a timely manor.
George Baierlein
18:49 16 Aug 22
Joseph Boyle was amazing! He made it super easy for me to switch my auto insurance over.
Jennifer Martinez
15:28 13 Aug 22
OMG!!! Smiling faces and nice people! Lamarr was very professional and able to save me a great amount on my car insurance. I would recommend this insurance agency! Thank you 😊
Frank Reichart
17:18 09 Aug 22
Michelle is always extremely helpful. As a new renter, she explained everything to me and made the process as easy as possible. She is also super quick to respond. I have never had any issues. Highly highly recommend!
Zoe Wallace
13:43 05 Aug 22
Outstanding customer service from Joe Boyle. He was able find me a home owner’s insurance couple of months before my non-renewal/expiration date. Since we were not in the 30 day window for binding, he set up a calendar invite to do the paperwork within that window. Just completed everything. He maintained excellent communication throughout this process which is hard to come by these days. I am more than happy to recommend Joe and his company, Fearnow Insurance to anyone who is shopping for insurance.Great job.Thank you
Celine Kizhakkemattom
21:52 20 Jul 22

The Fearnow Agency Advantage

  • We work for you, not the insurance carriers, to ensure your claims are processed efficiently and are paid out quickly.
  • Unlike a single-company agency, we have access to over 100 carriers, so we’re never limited in the services we can provide you.
  • We can save you up to 37% in insurance cost, or get better coverage for the same cost.
  • We always provide full disclosure of plan inclusions and exclusions.
  • We offer customized plans tailored specifically to your needs, instead of forcing you into a pre-packaged solution that won’t really work for you.
  • Our agents are continuously training, so they stay the leading experts in their field.

A standard Homeowners’ insurance policy includes four essential types of coverage. They include:

Coverage for the structure of your home

This part of your policy pays to repair or rebuild your home if it is damaged or destroyed by fire, hurricane, hail, lightning, or other disaster listed in your policy.  It will not pay for damage caused by a flood, earthquake, or routine wear and tear.  When purchasing coverage for the structure of your home, it is important to buy enough to fully rebuild your home.

Most standard policies also cover structures that are detached from your home such as a garage, tool shed, or gazebo.  Generally, these structures are covered for about 10% of the amount of insurance you have on the structure of your home.  If you need more coverage, talk to your insurance agent about increasing your coverage or purchasing an Umbrella policy.

Coverage for your personal belongings

Your furniture, clothes, sports equipment, and other personal items are covered if they are stolen or destroyed by fire, hurricane, or other insured disaster.  Most companies provide coverage for 50% to 70% of the amount of insurance you have on the structure of your home.  So, if you have $100,000 worth of insurance on the structure of your home, you would have between $50,000 to $70,000 worth of coverage for your belongings.  The best way to determine if this is enough coverage is to conduct a home inventory.

This part of your policy includes off-premises coverage.  This means that your belongings are covered anywhere in the world, unless you have decided against off-premises coverage.  Some companies limit the amount to 10% of the amount of insurance you have for your possessions.  You also have up to $500 of coverage for unauthorized use of your credit cards.

Expensive items such as jewelry, furs, and silverware are covered, but there are usually limitations if they are stolen.  Generally, you are covered for between $1,000 to $2,000 for all of your jewelry and furs.  To insure these items to their full value, purchase a special Personal Property endorsement, or floater, and insure the item for its appraised value.  Coverage includes “accidental disappearance,” meaning coverage if you simply lose that item, and there is no deductible.

Trees, plants, and shrubs are also covered under standard Homeowners’ insurance.  Generally, these items are covered for 5% of the insurance on the house – up to about $500 per item.  Perils covered are theft, fire, lightning, explosion, vandalism, riot, and even falling aircraft.  They are not covered for damage by wind or disease.

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Liability Protection

Liability protection covers you against lawsuits for bodily injury or property damage that you or family members cause to other people.  It also pays for damage caused by your pets.  So if your son, daughter, or dog accidentally ruins your neighbor’s expensive rug, you are covered.  However, if they destroy your rug, you are not covered.

The liability portion of your policy pays for both the cost of defending you in court and any court awards – up to the limit of your policy.  You are also covered, not just in your home, but anywhere in the world.

Liability limits generally start at about $100,000.  However, experts recommend that you purchase at least $300,000 worth of protection.  Some people feel more comfortable with even more coverage.  You can purchase an Umbrella, or Excess Liability policy, which provides broader coverage, including claims against you for libel and slander, as well as higher liability limits.  Generally, umbrella policies cost between $200 to $350 for $1 million of additional liability protection.

Your policy also provides no-fault medical coverage.  In the event a friend or neighbor is injured in your home, he or she can simply submit medical bills to your insurance company.  This way, expenses are paid without their filing a liability claim against you.  You can generally get $1,000 to $5,000 worth of this coverage.  It does not, however, pay the medical bills for your family or your pet.

Additional Living Expenses Coverage

This coverage includes expenses for hotel bills, restaurant meals, or other living expenses incurred while your home is being rebuilt or is uninhabitable after a covered disaster.  Coverage for additional living expenses differs from carrier to carrier.  Many policies provide coverage for about 20% of the insurance on your house.  You can increase this coverage, however, for an additional premium.  Some companies sell a policy that provides an unlimited amount of loss-of-use coverage, for a limited amount of time.

If you rent out part of your house, this coverage will also reimburse you for the rent that you would have collected from your tenant if your home had not been destroyed.

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