Homeowners Insurance Knowledge

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

Swimming Pool Insurance Requirements: What to Know

Swimming Pool Insurance Requirements: What to Know

Home insurance covers swimming pools, but you might need higher coverage limits for adequate liability protection.
How to Remove and Prevent Ice Dams

How to Remove and Prevent Ice Dams

Ice dams are ice buildup on your roof that potentially causes water damage to your home.
Nearly 200 Michigan Communities Can’t Get Flood Insurance — By Choice

Nearly 200 Michigan Communities Can’t Get Flood Insurance — By Choice

Though most Michigan communities have low flood risk and high resilience, climate change is shifting weather patterns — threatening previously low-risk areas.
Nearly 200 Missouri Communities Opt Out of Federal Flood Insurance. Are Homeowners Protected?

Nearly 200 Missouri Communities Opt Out of Federal Flood Insurance. Are Homeowners Protected?

Missouri residents in non-participating communities can’t purchase federal flood insurance, leaving them without coverage that could help after a flood.
What Is a Home Insurance Binder?

What Is a Home Insurance Binder?

Home insurance binders are temporary contracts that prove you’ve purchased home insurance.
Home Insurance Adjusters: What to Know

Home Insurance Adjusters: What to Know

A home insurance adjuster assesses damage to your home and calculates your insurance payout after you file a claim.
USAA Home Insurance Rates Climbing for 265,000 California Homeowners

USAA Home Insurance Rates Climbing for 265,000 California Homeowners

The agreement ends the class action lawsuit, but more legal issues remain for the automakers.
Does Home Insurance Cover Foundation Repair?

Does Home Insurance Cover Foundation Repair?

If a covered peril causes foundation damage, your home insurance will likely cover it.
What Is Builder’s Risk Insurance for Homeowners?

What Is Builder’s Risk Insurance for Homeowners?

Builder’s risk insurance protects a property while it’s being constructed or renovated.
Does Homeowners Insurance Cover Damage from a Party?

Does Homeowners Insurance Cover Damage from a Party?

Home insurance usually covers damage to your home from a party. But if you’re planning a big event or will serve alcohol, you may need extra coverage.
How to Transfer Home Ownership

How to Transfer Home Ownership

The legal requirements for title transfers can be complex, but a real estate agent or an attorney can help you navigate the process.
Got Flood Insurance? You’ll Be Able to Make Monthly Payments Come January

Got Flood Insurance? You’ll Be Able to Make Monthly Payments Come January

Policyholders previously had to pay their national flood insurance premiums on an annual basis.
Does Home Insurance Cover Electrical Panel Replacement?

Does Home Insurance Cover Electrical Panel Replacement?

If a covered event damages your home’s electric panel, your homeowners insurance might pay to repair or replace it.
Law and Ordinance Coverage: Do You Really Need It?

Law and Ordinance Coverage: Do You Really Need It?

A law and ordinance endorsement can save you thousands of dollars if you need to repair or replace an older home up to modern building codes.
Can You Keep Leftover Money From a Home Insurance Claim?

Can You Keep Leftover Money From a Home Insurance Claim?

You can keep the leftover money from a home insurance claim in most cases, depending on your state’s laws and your policy details.
Milton Lands Among Top 10 Costliest Hurricanes for Insured Losses

Milton Lands Among Top 10 Costliest Hurricanes for Insured Losses

Helene was deadlier, and fewer victims had insurance to cover storm damage.
Cost-Sharing Bill Would Spread Natural Disaster Losses Across Unaffected States

Cost-Sharing Bill Would Spread Natural Disaster Losses Across Unaffected States

The Natural Disaster Risk Reinsurance Program proposes states voluntarily purchase bonds to support insurers after disasters.
No Rate Hike for Texas Windstorm Insurer, State Insurance Regulator Decides

No Rate Hike for Texas Windstorm Insurer, State Insurance Regulator Decides

The move staves off higher rates for now, but questions loom about last-resort insurer’s ability to pay claims going forward.