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

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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:

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.

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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