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

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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

My agent is Matthew Wink, and he has provided me with excellent service for many years. I am very satisfied with his professionalism and customer service.
Bryan Mion
00:56 24 Feb 24
I would highly recommend Fearnow Insurance (Seffner, FL) if you not only want the quickest results to your home insurance needs, but also the best value given your personal circumstances.Our family has been made to feel prioritized, given the fast return response times to all of our questions/concerns.Our representative, Joseph Boyle, with nearly 30 years of experience, is adept in his field, and with this added value, being extremely knowledgeable follows as should be expected.He carries himself with the utmost professionalism, yet is also very personable, and explains our questions thoroughly, so we are not left in the dark.He will thoroughly review all options that best suit your family needs to get you most affordable policy. With his military background, it is clear that this has most likely contributed to his organizational skills, as well as extreme promptness.I would recommended Fearnow as my first choice, when comparison shopping.Best of luck and happy insurance shopping. Fearnow is sure to make it painless!
Kendal Donohoe
18:18 22 Feb 24
Gracias Jennifer por el excelente servicio como siempre. May profesional y amable.
Hanoi Lapaix martinez
03:52 22 Feb 24
Been using Fearnow for a few years now and they're great. Melanie is amazing and very helpful whenever I have any questions or issues
David Campbell
14:37 21 Feb 24
Jennifer Rubio helped us save! Thank you for all your help!
Brittany Bush
14:08 21 Feb 24
We have had a very nice experience with JOSEPH!Very helpful!
Carol Valvo
21:59 20 Feb 24
Lydia was/is my contact with Fearnow Insurance. I have never had such a nice experience when dealing with an insurance agent at a large insurance agency. Lydia was very nice , pleasant and knowledgeable. She listened to what I was inquiring about ( a new policy ) and asked relevant questions. She had a quote for me within 24 hours and it was a better policy than what I was leaving behind and for much less money. Everything was done over the IPHONE. Fantastic experience, HIGHLY recommend Fearnow Insurance and Lydia. I will be telling family & friends to give them a try.
Steve Doyle
20:08 06 Feb 24
Joe's service went above and beyond my expectations. He works quickly and thoroughly with great attention to details. I recommend Joe as a great agent to serve you well!
James Reed
20:43 03 Feb 24
I have nothing but praise for this company. I have dealt with Matthew Wink for several years and he is knowledgeable, attentive, and professional. He jumps right on my requests and puts forth maximum effort to save me money where possible. I'm his customer for life!!
Ron Clemmons (illconsumed)
02:40 02 Feb 24
Fair is fair, If you are going to write a review on a business then you should write a good one if they have somewhat redeemed themselves. Since writing this review I have had to contact the office regarding my dads buisness. The office has been very responsive to my questions in a timely way. Believe me I am not looking for a response within the hour but with in a day. Both Matt and Madrianne have been very responsive. I also appreciate the fact that they were and have always looked for better coverage and less expensive coverage opportunities for my Dad. Thank you.My parents have several policies with this company and they have had good experience, wish I could have said the same. A few years ago I asked to get a quote on new car insurance. I sent Matt all of the information and never heard back. I called several times and emailed - again no response. Recently my dads homeowners insurance renewed and I called because I had a question, Jennifer was very helpful. I asked her to look into new homeowners insurance for me (to give me a quote) never heard back, no follow up. I then sent my daughter to this company to get comparison quotes on new car insurance, because they have been very good for my parents and their policies. My daughter called, left multiple messages and again emailed Matt. No response from him, so she went elsewhere. So one last chance for me. I again contacted them (Matt) via email. I keep going back to him because he has been helpful to my dad. I emailed him all of the documents and waited all day, I did get a call back from him but that was after I had called and spoke to Amanda because I hadn't heard back from Matt at all. I sent her all of the documents and I let Matt know that I sent them to her to get a quote on new homeowners insurance. She stated "I will get back with you later today" That was 2 days ago. Maybe I should have read the review earlier because this seems like a trend with this company of no response or communication with potential clients. So I am done! I think I have given this insurance company many opportunities to get my business and they failed me every time. I have been reluctant to use a company, instead of me going and researching each company I thought I would save myself some time, but to no avail! Sorry, Fearnow insurance, you lost me! I hope that you will still be good for my dad.
Theresa Hickie
10:16 26 Jan 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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