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

Home
Insurance
Quotes

Home Insurance Quotes

fearnow bbb badge
angies list a rating badge
fearnow bbb badge
angies list a rating badge

Quotes from 100+ Carriers:

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:

Joseph Boyle! You are the best. As a recent widow, whose husband took care of every thing, Joseph walked me through obtaining insurance on my car. I now have full coverage for $40 less a month than just required coverage for the state. He even 3 wayed my old insurance company to cancel that policy. I heard of Fearnow Insurance on Joy FM radio. Give him a call. He'll take care of you. Thank you!
Carmen Davis
16:58 19 May 22
Great customer service and Agent Matt Wink was awesome. He was patient and explained everything I need to know about Auto Ins.
Patricia Nelson
13:34 04 May 22
This review is in regards to Mr. Joseph Boyle, Jr and his excellent work ethic, professionalism, dedication, and enthusiasm when helping us search and purchase homeowner's insurance. I know that Mr. Boyle's services are in high demand, yet he managed to make us feel like we were his only clients. He is always prompt, courteous and extremely knowledgeable while displaying a humility that only comes with experience. He helped us navigate several challenging situations when purchasing homeowner's insurance. In addition, he not only met, but exceeded all of our expectations. I can confidently say that my family will have a roof over their heads due to Mr. Boyle's ability to deliver on his promises. Fearnow is extremely lucky to have Mr. Joseph Boyle, Jr. We will refer him to ALL of our friends when they are ready to purchase. Thanks Joe!!!!!
Rawan Shawar
13:31 29 Apr 22
Joseph Boyle was excellent to work with and very competent when I changed Insurance companies. He was able to save me money and transfer went smoothly. It was nice to work with someone that knows his job and goes all the way to help you.
Linda Phillips
22:21 27 Apr 22
Great service. Quick response. Will definitely recommend to others.
Larisa Mironov
01:14 21 Apr 22
I want to thank Joseph A Boyle Jr for his professional support in obtaining home owners and automobile insurance for us. He worked with us selecting the best fit for our requirements, saved us a considerable amount of money.I would recommend you contact Joseph and at least give him an opportunity to quote your insurance. I’m quite sure he will save you money.Thank you Joe!!Respectfully
Gary Reighard
22:08 19 Apr 22
A friend has insurance with Joe and said to give him a call. Joe was very professional and willing to take the time to explain new options and found me new homeowners insurance which saved me over $300 a year. To top it off, Joe also took the time to research and found me car insurance with a highly reputable company which again, saved me over $300 a year from my current company. Great communication!!! Got back to me quickly to answer all of my questions. Makes you feel important and not just a number. A+++
Jeff Downes
21:41 19 Apr 22
Awesome service by Joe Boyle. Thank you for all you do.Look forward to working with you.
Melissa Barnes
20:09 19 Apr 22
I appreciated their very quick response to my online request for a quote as we needed to find a new homeowners policy soon because of the closing of our previous insurance company. Mr. Boyle was very courteous, helpful and answered all of my questions.
Venetia Coles
15:39 14 Apr 22
I used Fearnow Insurance to obtain homeowners insurance. Everyone was very responsive. Joseph guided us through the process and responded to all of our questions very quickly and thoroughly. He was kind, professional, and handled everything expertly. I will definitely use them again.
Jon Blackwell
21:38 13 Apr 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.

Local & Family Owned

Offices serving the local Tampa, FL and Wilson, NC areas for almost 30 years!

Competitive pricing nationally with world-class customer service!

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.

Florida Home Insurance

Homeowners Insurance Quotes | Fast & Easy Quote

Homeowners Insurance Quote from Fearnow Insurance. Quality Home protection that saves you money. 30 Years of serving Tampa, Brandon, Seffner area

Service Type: Homeowners Insurance

Price: $$

Currency: USD

Proudly Certified

Latest Blog Posts