Homeowners Insurance2024-06-10T14:06:48-04:00

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Save up to 37% with Fearnow Insurance

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 was a pleasure to have Joe help us with our new insurance. He is there for you through every step!
Robert Kahn
19:58 06 Jun 24
Joe Boyle is always helpful! I appreciate that he gets the best quotes and with speedy and kind service
LINA SAMPAT
19:24 06 Jun 24
Joe Boyle was able to save me $620 on my home insurance without drastically cutting any coverages! Super fantastic, he really knows his stuff 😄
Sara Chieffalo
21:24 05 Jun 24
I called Joe Boyle at Fearnow insurance as I have existing home insurance with Fearnow today with my home in Tampa which Joe took care for me. I explained to Joe I needed new insurance for my second home 400 miles away and asked if he can help me .In just a couple of days Joe called me with a quote and assisted me thru the complete process and saved me over a $1000.I cannot think Joe enough for all he did for me and my family and resolving this issue.Thank you again Joe Boyle
Rita Lewis
12:25 22 May 24
Mr Lamarr Batittiste helped us again with easy payment to renew our policy. His knowledge of insurance and payment procedures is just what we needed!! We recommend him and already consider him a friend!
melody hendricks
14:35 15 May 24
Fearnow Insurance is far and away one of the best companies I've ever worked with in any capacity. They care. They're also smart and efficient. I trust them with everything I own - cars, home, and especially business. Fearnow Insurance should always be your first call. I give them my highest recommendation.
Todd Wiseman
19:42 14 May 24
They take care of me everytimeThey wrap the flowers very beautifully the prices are reasonable. I live in Fl and my girlfriend is in New York and they are very consistent with delivery and communication.
Juan Villagrana
16:40 03 May 24
Fearnow Insurance exceeded my expectations. Joe was great to work with. Very knowledgeable. After dealing with some issues to get some needed documents, Joe jumped right in and was able to clear things up in a matter of a few minutes.
Mary Brown
09:05 26 Apr 24
Joe is always friendly, prompt, and gets me the best rates. He has helped me for home and auto!
Kelly Roy
22:14 15 Apr 24
My Agent, Joe was great. He tried to help me get the best price that he could. He cares about his clients. He even did a follow up to make sure I didn't have any problems and he will answer any questions you may have
cobra13
14:51 31 Mar 24

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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