Homeowners Insurance – Florida2022-02-01T10:20:07-05:00

Florida
Homeowner’s
Insurance Quotes

Florida Home Insurance Quotes

google rating and reviews graphic
fearnow bbb badge
angies list a rating badge
google rating and reviews graphic
fearnow bbb badge
angies list a rating badge

Quotes from 350+ Carriers:

progressive insurance
auto owners insurance
travelers insurance
nationwide insurance
liberty mutual insurance
allstate insurance

Save up to 37% with Fearnow Insurance

Are you wondering how to get homeowners insurance in Florida and pondering the costs of your premiums? Florida is one of the most popular states to live with a population of 21,477,737 as of July 1, 2019, according to the Census Bureau, which is a 14.2 percent increase from 2010. With this ongoing boom in individuals moving to Florida, housing demand is up. In fact, 65.4 percent of housing units in Florida are owner-occupied. With these facts in mind, it’s important to remember to purchase homeowners insurance in order to protect your house and your finances in case of damage to your home due to a covered event. The good news is that our agents at Fearnow can help you get the homeowner’s insurance coverage you need at affordable rates.

What Our Customers Say

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
Prompt and courteous associate. Reasonable quoted online with follow-up individualized meeting scheduled over the phone to customize the best policy for my unique needs. MARCH 2024 - Just added auto insurance to homeowners policy. Same coverage $600 lower cost. Huge WIN!
Nathan Guteras
22:42 29 Mar 24
Joe is the most knowledgeable agent I’ve ever encountered! Always looking out for his customers!
Bobby Schudler
17:23 29 Mar 24
Thanks to Jennifer Rubio for helping me getting a great insurance policy cover for my family. She's the best.
Cristopher Ramirez
15:21 29 Mar 24
Lydia Bobek, has great people skills, professional, knowledgeable and is very pleasant to work with. She followed-up as promised. Fearnow Insurance now has a new client. Thank you very much.
Michael Cliggitt
14:01 29 Mar 24
Jennifer, has been an amazing agent. She’s very knowledgeable, patient when we had many questions and super nice. Thank you for great customer service as it is very important to us.
Scarlene Guilamo
08:33 29 Mar 24
Shane has been exceptionally helpful, always responded promptly, was very patient and treated us as a top priority! We were in an very unexpected situation where our college age daughter's car died on the interstate. The repairs were not feasible for the older model car, so we started a frantic hunt for another vehicle. Not only is the used car market currently abysmal, we needed to figure out how much her insurance would be increasing before making a final decision. Shane was our go to expert, checking over 10 different VIN #s for us to confirm the cost of insurance increases! He was also helpful in getting the original policy updated with the newer car info & financing requirements very quickly. Shane has outstanding communication & customer service skills! Thank you so much Shane!
Kathleen Pankoe
20:48 26 Mar 24
The professionalism is exceptional fear now is such a great company.. Will continue to do business with this company..Was such a pleasure to workWith Joseph Boyle, He makes the process go smooth and easy. Thanks Joseph for providing exceptional service.
Lakeisha Burkes
13:35 22 Mar 24
Joseph has been awesome to work with in obtaining property insurance after already having my auto insured for a few years. I'm a licensed agent so I appreciated his efficiency, professional advice and how quickly he got everything done for me. 100% recommend and I'll be sending him more referrals!
Holly Walton
22:08 21 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.

Homeowners Insurance Requirements in Florida

The state of Florida does not legally require homeowners to purchase insurance. However, if you have a mortgage, your lender may require it, and even if you’ve paid off your home, you still may want to consider purchasing a good homeowners insurance policy. This is because the average value of a home in Florida is $215,300. Can you afford to replace your home if it were to become uninhabitable due to a covered event, like a fire or strong storm?

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!

Types of Homeowners Insurance Coverages to Consider

A homeowners insurance policy is designed to financially protect you in case of certain unforeseeable events, like fire, theft, vandalism and certain weather events. It’s also designed to help if someone who does not live on your property gets injured, like from a dog bite or slip and fall. Common coverages that homeowners insurance provides include:

A high-quality homeowners insurance policy contains several types of protection, including:

  • Home Replacement Cost – If your home is completely destroyed, this coverage helps pay for a replacement.
  • Home Repair Cost – If your home is damaged via a covered event, this helps provide funds for the repairs.
  • Replacement of Damaged Personal Belongings – If your personal belongings, including clothes, furniture and electronics, are damaged, this helps provide the funds to replace them.
  • Repair and Replacement Costs for External Structures – If you have garages or sheds on your property that are damaged via a covered event, this coverage helps provide the funds to repair or replace them.
  • Personal Liability – If someone who does not live at your property gets injured on your property, this coverage helps pay for expenses related to the accident.
  • Medical Expenses – If someone who does not live on your property gets injured, this helps pay for any needed medical treatments.
  • Additional Living Expenses – If you cannot live in your home after the covered event, this helps pay for additional living expenses while your home is being repaired.

Understanding Whether or Not You Need Flood Insurance

In addition to homeowners insurance, you may want to consider flood insurance. In Tampa alone, more than 43,000 properties are at risk for flooding, according to a news article by the Tampa Bay Times, and if you live in a 100-year floodplain, your mortgage company may require flood insurance. This is because a standard homeowners insurance policy does not cover flooding. If you’re not sure if you live in a flood zone, FEMA provides a map where you can input your address to check your flood risk.

Flood Zone Area Designations

There are five risk zones for Florida, including:

  • Zone X – Low to moderate risk with a .02 percent risk of annual flooding
  • Zone A – High risk with a 1 percent chance of annual flooding
  • Zone AE – High risk with homes being considered in a 100-year floodplain
  • Zone V – Extremely High Risk with at least one flood expected within 30 years
  • Zone VE – Extremely High Risk with at least one flood expected within 30 years

Median Cost of Homeowners Insurance in Florida

One of the primary reasons that homeowners drop their insurance coverage or fail to get it is fear of the cost. The truth is that homeowners insurance is affordable in Florida. The average cost of a yearly premium in the state is $216 per month, and there are ways you can lower the cost of your premiums, including:

  • Choosing a higher deductible
  • Taking advantage of multi-line discounts
  • Consider disaster safety upgrades
  • Consider installing home security

Getting the Right Homeowners Insurance Policy in Florida

Our agents at Fearnow have the ability to check the home insurance rates of more than 100 different carriers in order to get you the best policy for your needs. To learn more and to get a quote, give us a call at 813-689-8878.

Brandon Home Insurance

Seffner Home Insurance

Florida Homeowners Insurance Quote & Information | Fearnow

Florida Homeowners Insurance, quality home protection that saves you money. 30 Years of Savings from Fearnow Insurance

Service Type: Homeowners Insurance

Price: $$

Currency: USD