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

Florida
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Florida Home Insurance Quotes

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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 the best man I’ve ever met! He is showing absolutely customer-centric approach every time you should to receive a real nice prices and outstanding service as well! Thanks!
Dmitriy Korchagin
23:00 28 Nov 22
The best customer experience! Joe was quick with a new policy and with any answers I needed. Would recommend 100%
Lori Potter
21:55 21 Nov 22
Fearnow Insurance is great to obtain low price and quality insurance coverage. Joseph Boyle was excellent in pricing and offering the best auto and motorcycle insurance for our family.
lil jim haney
13:55 16 Nov 22
I reached out to Joe Boyle and he was an INCREDIBLE help to my wife and I. He was very helpful throughout the whole process and helped us save a bunch of money as well. I would highly recommend him!
Nick Villa
20:32 02 Nov 22
Just got home insurance from them!!! Joe did such an awesome job... he def knows what he's doing! I recommend fearnow insurance if you're having a hard time getting insurance!
Teresa Jimenez
11:56 01 Nov 22
Joseph Boyle is by far the most professional, efficient, excellent personality with customers, highly respectful and straightforward insurance agent. I only checked with one other insurance company and it was a terrible experience. Joseph Boyle took away my fears in a manner of minutes and I was insured in a timely fashion by transferring from Farm Bureau of TN to Florida. I highly recommend Joseph Boyle as an agent and for his professional and kind demeanor. Save time and money and call Fearnow and ask for Joseph Boyle and you will be more than satisfied with outstanding service.
Irene Forsythe
18:30 31 Oct 22
It took us a while to get where I needed to be to finalize my policy but none of that was Joe's fault. He was extremely helpful and patient as we worked through my different changes as well as other glitches that happened along the way that popped up. He was very easy to work with and I would definitely recommend him.He called me back very quicky whereas some other companies had to be called twice or they took days to get back with me.
Carolyn Beadle
17:19 29 Oct 22
Joe Boyle & Matt Wink are top notch in my book! I've had my Home Owner's Ins. thru Fearnow for at least 20 years now & they are a great team! Matt is awesome & goes above & beyond to help you!! Wouldn't have any other agent! I'd give 10 stars if I could!
Susan Rowland
19:32 27 Oct 22
Joe is pleasant and very knowledgeable. He helped me save over $2k in car insurance. He is now my new best friend forever!!!!!
Teresa Young
20:25 25 Oct 22
This is a very professional group to work. They are excellent about returning your calls ASAP and our very thorough in answering all your questions
Ruth Tyson
13:24 25 Oct 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.

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?

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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.

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