Homeowners Insurance Knowledge

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

Thousands of US Communities Forgo Federal Flood Insurance

Thousands of US Communities Forgo Federal Flood Insurance

Nationally, 2,279 communities don't participate in the National Flood Insurance Program. Property owners in non-participating municipalities can buy federal flood insurance.

October 22, 2024
Severe Flood Risk Threatens Over One-Third of Global Population, Report Finds

Severe Flood Risk Threatens Over One-Third of Global Population, Report Finds

Changing weather patterns, population movement, and other factors affecting inland and coastal waters expose 3 in 10 people worldwide to significant flood risk, according to a recent report from data and insights company Moody’s.

3 min. readOctober 22, 2024
North Carolina Hurricane Insurance: What to Know

North Carolina Hurricane Insurance: What to Know

Learn about which coverages North Carolina homeowners should purchase in order to stay protected in the event of a hurricane.

October 22, 2024
How Long Can a Mortgage Company Hold an Insurance Check?

How Long Can a Mortgage Company Hold an Insurance Check?

If you file a large claim, your mortgage company may receive the insurance check on your behalf. Learn how to get your lender to release the funds.

3 min. readOctober 21, 2024
What Is Sewer Backup Insurance?

What Is Sewer Backup Insurance?

Sewer backup insurance protects your home from water damage caused by sewage system failures, sump pump failures, and invasive tree roots.

4 min. readOctober 21, 2024
Is Homeowners Insurance Included in Your Mortgage?

Is Homeowners Insurance Included in Your Mortgage?

Most homebuyers pay homeowners insurance premiums and taxes into an escrow account as part of their monthly mortgage payment. Here’s how it works.

October 18, 2024
Hawaii Hurricane Insurance: What to Know

Hawaii Hurricane Insurance: What to Know

Hurricane insurance supplements your standard homeowners insurance policy, but it only covers certain types of hurricane damage.

October 18, 2024
Hurricane Preparedness List for Homeowners

Hurricane Preparedness List for Homeowners

Hurricanes are one of the most dangerous and costly weather-related disasters. Don’t wait until hurricane season to prepare.

October 17, 2024
Earthquake Insurance for Utah Residents: Is It Worth It?

Earthquake Insurance for Utah Residents: Is It Worth It?

Utah experiences earthquakes every year, making it a good idea for homeowners to consider earthquake insurance. Learn more here.

October 17, 2024
Condo Insurance vs. Homeowners Insurance: Learn the Differences

Condo Insurance vs. Homeowners Insurance: Learn the Differences

Learn how condo insurance differs from home insurance in this article so you can find the right coverage for your needs.

October 17, 2024
US Hit With 20 Billion-Dollar Climate Disasters So Far in 2024

US Hit With 20 Billion-Dollar Climate Disasters So Far in 2024

Sobering statistics show the U.S. has experienced 396 billion-dollar weather and climate disasters since 1980. Overall insured and uninsured losses from these events exceed $2.780 trillion.

2 min. readOctober 15, 2024
What to Do If Your Home Insurance Claim Is Denied

What to Do If Your Home Insurance Claim Is Denied

You have the right to appeal a home insurance claim if your insurer denies it. Learn more about your options here.

4 min. readOctober 15, 2024
Actual Cash Value vs. Replacement Cost in Home Insurance

Actual Cash Value vs. Replacement Cost in Home Insurance

Learn the differences between actual cash value and replacement cost coverage in home insurance and how to choose the right coverage for you.

October 14, 2024
Suing Over an Insurance Claim Often Leads to Smaller Payout, Experts Say

Suing Over an Insurance Claim Often Leads to Smaller Payout, Experts Say

Litigation used to be the last resort. Now, deceptive attorney practices and third-party funding drive up claims costs while consumers get less.

3 min. readOctober 11, 2024
Does Homeowners Insurance Cover Tree Removal?

Does Homeowners Insurance Cover Tree Removal?

Falling trees can pose a major threat to your property. Learn whether homeowners insurance covers tree removal and how much it costs to remove a downed tree.

October 11, 2024