Homeowners Insurance – Florida – Seffner2022-02-01T10:16:09-05:00

Seffner
Homeowner’s
Insurance Quotes

Seffner Home Insurance Quotes

fearnow bbb badge
angies list a rating badge
fearnow bbb badge
angies list a rating badge

Quotes from 100+ Carriers:

Save up to 37% with Fearnow Insurance

Are you thinking of purchasing a home a Seffner, Florida? Seffner has a population of 8,362 as of 2019 and is located in Hillsborough County. Not to mention, it’s just 15 miles from downtown Tampa. With the low population, great weather and plethora of outdoor activities, it’s a great place to live, but don’t forget homeowners insurance.

Homeowners Insurance Requirements in Seffner, Florida

Homeowners insurance is not required by law in Seffner, Florida. However, if you have a mortgage, your lending company may require that you have homeowners insurance, and even if your home is paid off, it’s still a good idea to have an active homeowners insurance policy. After all, the average home price is $233,682, according to City-Data. Seffner also boasts that nearly 80 percent of its residents are homeowners, and their average living expenses are $1,356, according to the Census Bureau. Can you afford to replace your current home if it were damaged by a fire or covered natural disaster?

What Our Customers Say:

Outstanding customer service from Joe Boyle. He was able find me a home owner’s insurance couple of months before my non-renewal/expiration date. Since we were not in the 30 day window for binding, he set up a calendar invite to do the paperwork within that window. Just completed everything. He maintained excellent communication throughout this process which is hard to come by these days. I am more than happy to recommend Joe and his company, Fearnow Insurance to anyone who is shopping for insurance.Great job.Thank you
Celine Kizhakkemattom
21:52 20 Jul 22
I am very pleased with this insurance co. and their quick action for our situation. Joe Boyle not only got us homeowners insurance in a very timely manner, (our other insurance co. was being liquidated in 2 weeks), he also got us new auto insurance for a lot less, and our new homeowners is less. Thank you Joe, and Fearnow....Great company!
Marylyn Embrey
14:38 09 Jul 22
Joseph Boyle was very quick on responding to my needs and helping me get covered. He was thorough and communicated with me every step of the way! Thank you for making this process easy for me !!!
Samari Rivera
22:25 01 Jul 22
Joe Boyle is outstanding in customer service. I’m a returning customer, this time for Home Insurance. Joe had gone the EXTRA mile to insure me the coverage will be completely handled with just a little information from myself. He has truly made this experience less stressful when I was left with a policy that was being liquidated in a short amount of time.Trust Joe at Fear Now to answer and guide you through any insurance questions/ policy.Thank you Joe!
Tammy Kirk
17:04 30 Jun 22
Joe Boyle handled our needs promptly, accurately and professionally.Given our circumstances, he did a through review and came back with quotes that proved to be more than compelling to switch carriers. I believe the agency is tops and sorry I didn't find out about them earlier.
Chris Holden
18:12 29 Jun 22
Joe is the best! We needed a home insurance quote quick for the purchase of a home. He was willing to have tough conversations about good quality coverage for the age of the home, and worked fast to get all the right documentation for our closing. Also, Joe found us great discounts on our auto insurance getting us better coverage, with an A++ provider at a lower cost. Thank you Joe!
Jessica Rhodes
23:16 24 Jun 22
Joe Boyle is THE BEST! I’ve been shopping around for auto insurance since moving to the area and haven’t been having the best luck. After reading reviews, I reached out to Joe Boyle at Fearnow and was amazed at his professionalism, knowledge, and efficiency. Joe took the time to explain everything about my policy in detail and did his best to find the most affordable rate for my policy. I would trust Joe handling anything related to insurance going forward and am so happy I took the chance to get in touch with him. There is nobody better in the industry than Joe!
Matthew Weddleton
22:24 15 Jun 22
I needed to get into a cheaper Homeowners Insurance and Joe Boyle was very helpful. He was quick professional, friendly, efficient, and knowledgeable. This made the entire process effortless. He assisted in cancelling my old Homeowners at the appropriate date and starting coverage with the new company, which is an A rated company too.
Paula Williams
23:33 07 Jun 22
Joe B was awesome, he communicated along every step and answered all of my questions.Will definitely use him again. Thanks Joe!👍
jim zwierzynski
20:08 01 Jun 22
Joe Boyle was helpful,professional and very efficient. Also very delightful to chat with. I wish all my business transactions were handled as well as he did with our search for insurance . We'll done Joe!!!!
Teresa Horn
16:26 25 May 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.

Types of Homeowners Insurance Policies to Consider

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

  • Dwelling Replacement Cost – Provides funds to replace your home if it is completely destroyed
  • Dwelling Repair Cost – Provides funds to repair your home if it is damaged as the result of a covered event
  • Personal Belongings Replacement Cost – Funds to replace your damaged and destroyed belongings
  • External Structure Repair and Replacement Cost – Funds to repair or replace external structures, like sheds and detached garages
  • Personal Liability Coverage – Provides financial coverage if someone who does not live at your home sues you after getting injured on your property.
  • Coverage for Medical Expenses – Provides financial assistance if someone who does not live at your home needs medical attention after getting injured on your property.
  • Living Expenses – Finds for food and shelter, like a hotel, if your home cannot be lived in after the covered event.

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!

Understanding Whether or Not You Need Flood Insurance

In addition to homeowners insurance, you may want to consider flood insurance. Many homeowners insurance policies do not cover floods. This means that if the water that invades your home comes from the ground, a lake, river, stream, ocean or the Gulf, your homeowners insurance policy would not cover the damage. Hillsborough County offers a Find My Flood Risk tool where you can plug in your street address in order to assess your risk of flooding from a hurricane or severe storm.

Flood Zone Area Designations

  • Zone X – Low to moderate risk. (.02 risk of yearly flooding)
  • Zone A – High risk. (1 percent chance of annual flooding)
  • Zone AE – High risk. (Home is in a 100-year floodplain)
  • Zone V – Extremely High Risk. (26 percent chance of flooding within 30 years)
  • Zone VE – Extremely High Risk. (26 percent chance of flooding within 30 Years)

Median Cost of Homeowners Insurance in Seffner, Florida

When you think about getting homeowners insurance in Seffner, you may worry about the yearly cost of the policy. The truth is that homeowners insurance policies in the area are quite affordable, especially if you choose a higher deductible and use a multi-line discount, which is a discount for insurance policyholders with more than one type of policy with the same insurance company, like home and auto insurance.

If you live in Seffner, Florida, zip code 33584, you can expect to pay an average of $113 per month for a standard homeowners insurance policy.

Getting the Right Homeowners Insurance Policy in Seffner, Florida

Getting the right homeowners policy for your needs means paying attention to the details. To help you with the process, you can ask yourself a few questions:

  • What is my home worth?
  • What would it cost to replace my home?
  • Do I have any collections, antiques or jewelry that are worth a lot of money?
  • How many outbuildings do I have on my property?
  • Do I have a home office or work from home?
  • Are there any special considerations that I need to discuss with my insurance agent prior to purchasing the policy?
  • What can I always afford as a homeowners insurance deductible?
  • Do I need to discuss flood insurance with my new agent?

By thinking about and answering these questions ahead of time, you can ask the right questions and get all the answers you need from your Fearnow agent prior to getting a quote and purchasing the policy.

To get a homeowners insurance quote from one of our agents, give us a call at 813-689-8878 to speak with a live agent. We offer quotes from more than 100 different carriers so that you always get the right insurance at the right price.

Seffner FL Homeowners Insurance Quote & Information | Fearnow

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

Service Type: Homeowners Insurance

Price: $$

Currency: USD

Proudly Certified

Latest Blog Posts