Homeowners Insurance Knowledge

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

Home Insurance Renewal: How It Works and What to Consider

Home Insurance Renewal: How It Works and What to Consider

Some home insurance policies renew automatically. If yours doesn’t, it’s important to understand when and how to renew your policy.
High-Risk Homeowners: 67% Would Weather Climate Risk for a Good Deal on a House

High-Risk Homeowners: 67% Would Weather Climate Risk for a Good Deal on a House

Nearly half of surveyed homeowners knew they were buying a disaster-prone home.
How to File a Home Insurance Claim in 7 Steps

How to File a Home Insurance Claim in 7 Steps

As you prepare to file an insurance claim, it’s essential to move quickly, document the damage, and contact your insurer.
Hidden Costs of Homeownership Come in at $21,084 — on Top of a Mortgage

Hidden Costs of Homeownership Come in at $21,084 — on Top of a Mortgage

Insurance, utilities, and other homeownership costs are eating into Americans’ budgets. In states like Hawaii and California, non-mortgage costs can surpass $30,000 per year.
12 Ways to Lower Your Electric Bill

12 Ways to Lower Your Electric Bill

Unplugging devices, installing a smart thermostat, and getting an energy audit are a few ways you can lower your electric bill.
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.
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.