Homeowners Insurance Knowledge

Insurify's insurance experts guide you through the basics of home insurance insurance.

10 States Facing the Highest Financial Losses from Severe Weather

10 States Facing the Highest Financial Losses from Severe Weather

Natural disasters have driven up insurance costs for homeowners. States like Florida, South Carolina, and North Dakota are among the most financially threatened by severe weather, according to an Insurify analysis of population-adjusted loss data.
By Matt Brannon|June 17, 2025
California’s Home Insurer of Last Resort Sees 74% Jump in Policy Numbers

California’s Home Insurer of Last Resort Sees 74% Jump in Policy Numbers

With nearly $600 billion at risk, FAIR Plan growth points to ‘a less stable market’ and could push costs even higher for homeowners.
By Katie Powers|June 17, 2025
New Bill Would Allow Louisiana Home Insurers to Block Lawsuits in Exchange for Cheaper Premiums

New Bill Would Allow Louisiana Home Insurers to Block Lawsuits in Exchange for Cheaper Premiums

Proposed legislation would mean cheaper premiums for Louisiana homeowners, but the trade-off could leave unsatisfied policyholders with less recourse.
By Cassie Sheets|June 17, 2025
Erie Insurance: Cyberattack Caused Network Outage

Erie Insurance: Cyberattack Caused Network Outage

Attack locked customers of claims, billing, and online accounts — but did it expose their data, too?
By Chris Schafer|June 13, 2025
Rising Storm Risks, Insurance Costs Drive Home Values Down and Residents Out, Report Finds

Rising Storm Risks, Insurance Costs Drive Home Values Down and Residents Out, Report Finds

Effects are spreading beyond Florida and into housing markets ‘most people don’t expect,’ Cotality says.
By Evelyn Pimplaskar|June 2, 2025
‘Above-Normal’ Atlantic Hurricane Season Could Cause Surge in Home Insurance Rates

‘Above-Normal’ Atlantic Hurricane Season Could Cause Surge in Home Insurance Rates

Last year, just two storms caused $16 billion in insured losses and more than $113 billion in total damages. Favorable hurricane conditions could again spell disaster in 2025.
By Julia Taliesin|May 28, 2025
End of Energy-Efficient Home Improvement Credits Moves Closer to Reality

End of Energy-Efficient Home Improvement Credits Moves Closer to Reality

Senate passage of policy bill would end popular multibillion-dollar residential tax credits.
By Evelyn Pimplaskar|May 23, 2025
$10K Tax Credit May Be on the Way for Louisiana Homeowners Who Stormproof Their Roofs

$10K Tax Credit May Be on the Way for Louisiana Homeowners Who Stormproof Their Roofs

A new bill could help Louisiana homeowners fortify their homes against hurricane damage and combat the state’s insurance crisis.
By Cassie Sheets|May 21, 2025
State Farm Seeks Another 11% Hike for California Homeowners Insurance

State Farm Seeks Another 11% Hike for California Homeowners Insurance

Insurer updated its previous rate request just days after winning OK for a 17% rate increase.
By Chris Schafer|May 21, 2025
State Farm OK to Hike Home Insurance Rates 17% in California

State Farm OK to Hike Home Insurance Rates 17% in California

Insurance Commissioner Lara approves the judge-sanctioned decision, for now.
By Sara Getman|May 16, 2025
4 More Insurers Join Florida’s Home Insurance Market

4 More Insurers Join Florida’s Home Insurance Market

State’s homeowners insurance rates fell 3% in 2024 but are still highest in the nation.
By Sara Getman|May 16, 2025
6 Top Home Insurance Tips From Reddit Users

6 Top Home Insurance Tips From Reddit Users

Reddit users have many helpful home insurance tips to keep in mind, including comparing coverage options, bundling coverage, and choosing a high deductible.
By Danny Smith|May 15, 2025
Does Homeowners Insurance Cover Roof Damage?

Does Homeowners Insurance Cover Roof Damage?

A home insurance policy can pay to repair or replace your roof if a fire, ice storm, vandalism, or other covered peril damages it.
By Jessica Martel|May 7, 2025
Is Flood Insurance Tax-Deductible?

Is Flood Insurance Tax-Deductible?

You can’t deduct flood insurance premiums on your income tax return. But you may be able to claim deductions for certain other home-related expenses.
By Emily Guy Birken|May 6, 2025
Best Memphis Homeowners Insurance Quotes (2026)

Best Memphis Homeowners Insurance Quotes

Allstate, Auto-Owners, and Foremost offer the best homeowners insurance policies in Memphis, Tennessee.
By Taylor Milam-Samuel |May 6, 2025
Best Atlanta Homeowners Insurance Quotes (2026)

Best Atlanta Homeowners Insurance Quotes

Allstate, Auto-Owners, and Chubb offer the best homeowners insurance policies in Atlanta.
By Jamie Johnson|May 6, 2025
CA Homeowners Sue Top Insurers, Allege ‘Collusion’ Left Thousands of Wildfire Victims Underinsured

CA Homeowners Sue Top Insurers, Allege ‘Collusion’ Left Thousands of Wildfire Victims Underinsured

Dual suits charge insurers ‘colluded’ to ‘eliminate competition’ and push high-risk policies to state’s insurer of last resort.
By Katie Powers|May 6, 2025
Best Spokane Homeowners Insurance Quotes (2026)

Best Spokane Homeowners Insurance Quotes

Nationwide, Chubb, and Allstate offer the best homeowners insurance policies in Spokane.
By Amy Beardsley|May 6, 2025