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

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Seffner Home Insurance Quotes

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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

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
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.

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.

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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