Homeowners Insurance2021-10-08T11:08:52-04:00

Homeowner’s Insurance Quotes

Home Insurance Quotes

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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:

I recently purchased a new vehicle and spoke with Ms. Michelle Mohler regarding switching over my auto insurance. Michelle was very friendly, knowledgeable and quick to handle my requirements. Additionally, she was able to help me reduce my property insurance by making several suggested changes to my policy. Overall, a great experience with this dedicated insurance agent.
Mike Naugle
13:31 15 Jan 22
Joe Boyle is amazing. He helped us get home owners insurance and flood insurance on our new home. He is very knowledgeable, super responsive, and a true professional.We couldn't have gotten this house without him. He went out of his way to answer any questions that any party involved had. If there was a 10 star rating I would choose that. Thanks a lot Joe! We truly appreciate you!
Josh Thomas
20:16 12 Jan 22
I highly recommend Fearnow insurance. They will find you the lowest quote you can possibly get. I have had plenty of representatives help me with my insurance there but if you ask for Matt he will be sure to go out and behind for you and find exactly what you are looking for!! He totally treats you like family. You Can’t go wrong with them!
M.A.
18:48 11 Jan 22
Joseph Went beyond callTo make sure I got decent coverage and a great rate.Even assisted with the cancellation of my previous policy.
Tommy Tarbox
22:11 03 Jan 22
My name is Hope and I had the pleasure of speaking with Mr. Joe Boyle. Joe thank you for my auto quote and the through explanation of benefits and what Progressive has to offer.Joe, you relieved my fears about car insurance for my daughter. I have been in fear for over 6 months and TODAY, I finally feel relieved. I hired an attorney, and I still was not fully satisfied with their answer. No more tears, after today. Joe, I thank God that you were on the other end of the call.Joe, you were my Angel today. Please continue to do great work, great customer service and thanks for letting me vent without interruptions.In my line of work, I hope our paths never cross (Process Server) "God in me, Loves you"Hope G.
Hope Goodwin
18:17 03 Jan 22
I had the pleasure of working with Joe at Fearnow Insurance. He was resourceful, helpful, and a great communicator. Joe went above and beyond to help me as his client. I would recommend contacting Joe to assist you in finding the best insurance plan!
Laura Watson
23:01 29 Dec 21
Joe Boyle was excellent. He is very knowledgeable & was able to help us save almost $1000 per year on our auto insurance. I would recommend this company to anyone looking to cut their insurance expenses.Fearnow & Joe Boyle strike again. My home owners insurance was not going to be renewed in April. Joe was able to get me not only a $700 a year savings but better coverage.Also my auto renewal went down another $800 this year. Amazing!!!
Kim Aldridge
13:07 20 Dec 21
I requested a Homeowners Insurance quote online and my agent Taunya contacted me and within minutes I had a brand new policy with a nearly 40% decrease in premium from my existing Insurance Company. Taunya was professional, knowledgeable, patient and efficient. She exceeded my expectations and made the process seamless and effortless. I would highly recommend Fearnow Insurance to my friends and family without hesitation! Thank you again for such a wonderful experience:)
Dorothy Aiken
00:11 13 Nov 21
Joe with Fearnow was great. Got us a great rate on auto and home. We are saving just over $100 a month just in our auto from our previous carrier USAA. Everything was done by phone and electronic. Fast service, seamless communication, great value. If you want to save money, highly recommend calling Joe for all your insurance needs!
KB T
17:26 05 Nov 21
I work with Lydia Bobek on my homeowners insurance that had unexpectedly been canceled. She was quick to respond and help me secure a new policy in just a few quick hours. Excellent customer service!
Samson Lewis
21:31 28 Oct 21

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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