Homeowners Insurance – Florida2021-10-08T11:10:32-04:00

Florida Homeowner’s Insurance Quotes

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:

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.

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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