Homeowners Insurance Knowledge

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

Home Security Statistics and Trends in 2025

Home Security Statistics and Trends in 2025

Home security survey shows that 56% of Americans install security systems to protect themselves, though FBI data reveals that home-related crime has been on the decline the past two decades.
Poor Credit Hits Homeowners Hard When Buying Home Insurance, Report Finds

Poor Credit Hits Homeowners Hard When Buying Home Insurance, Report Finds

Even average credit can make home insurance more expensive, study says.
Rate Decreases May Be on the Way for Some Florida Condo and Home Owners

Rate Decreases May Be on the Way for Some Florida Condo and Home Owners

State’s ninth-largest home insurer is seeking a rate decrease for some policyholders.
State Farm Faces Lawsuit Over Denied Hail and Wind Claims in Alabama

State Farm Faces Lawsuit Over Denied Hail and Wind Claims in Alabama

Damages range from $18,000 to $20,000 per claimant.
American Family Home Insurance Review: Ratings and Quotes (2026)

American Family Home Insurance Review: Ratings and Quotes

Coverage is available for homeowners, condo owners, and even renters in 19 states, with top industry and customer satisfaction ratings.
Cheapest Home Insurance for Older Homes (2026)

Cheapest Home Insurance for Older Homes

The cheapest insurance company for older homes is Westfield, with average monthly premiums of $119.
New Mexico’s FAIR Plan Gets $300K Coverage Boost

New Mexico’s FAIR Plan Gets $300K Coverage Boost

Home insurer of last resort will now cover homes valued at up to $750K.
Lemonade to Stop Selling Home Insurance in More Texas Counties as State Faces High Climate Risks

Lemonade to Stop Selling Home Insurance in More Texas Counties as State Faces High Climate Risks

In a state marked by climate disasters, homeowners continue to lose coverage options.
Florida Has Now Added More Home Insurers Than It Lost Since 2020

Florida Has Now Added More Home Insurers Than It Lost Since 2020

But the state’s climate challenges still leave Florida homeowners paying record-high premiums.
Most Americans Don’t Trust Insurers Will Help Them When Something Goes Wrong, Study Finds

Most Americans Don’t Trust Insurers Will Help Them When Something Goes Wrong, Study Finds

While most know they need home and car insurance, 24% have reduced coverage to save money.
Already, U.S. Natural Disasters Drive Near-Record Global Insurance Losses in 2025

Already, U.S. Natural Disasters Drive Near-Record Global Insurance Losses in 2025

$84 billion losses signal bigger bills, fewer options for American property owners
What Is an Escrow Refund and When Do You Get One?

What Is an Escrow Refund and When Do You Get One?

Your mortgage lender could give you money back from your escrow fund if you have more in it than you need to cover taxes and insurance.
Illinois Homeowners Face Near-Record Insurance Rate Hike

Illinois Homeowners Face Near-Record Insurance Rate Hike

State Farm rolls out 27% increase in July and August, prompting governor to call for legislative intercession.
What Is FAIR Plan Homeowners Insurance?

What Is FAIR Plan Homeowners Insurance?

FAIR Plans provide insurance to homeowners who can’t get coverage in the standard insurance marketplace. But not every state has one.
What an HO-4 Insurance Policy Covers

What an HO-4 Insurance Policy Covers

An HO-4 policy covers liability and personal property for renters.
Phasing Out FEMA: 10 States That Could Lose the Most

Phasing Out FEMA: 10 States That Could Lose the Most

The White House is taking steps to wind down FEMA’s role in disaster relief funding. States like Florida, Louisiana, and Texas are likely to feel the impact more than most.
3 More California Home Insurers Get Go-Ahead for Hefty Rate Hikes

3 More California Home Insurers Get Go-Ahead for Hefty Rate Hikes

Grange, Stillwater, and Wawanesa policyholders face increases ranging from 5% to 40%.
How Much Does Flood Insurance Cost?

How Much Does Flood Insurance Cost?

Federal flood insurance costs an average of $786 annually, but it depends on your location’s risk level.