Homeowners Insurance Knowledge

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

What to Know About Home Insurance If You Rent Out Your House

What to Know About Home Insurance If You Rent Out Your House

When renting out your home, you may need a specialized type of home insurance policy, which likely has a higher price tag.
What Is Reciprocal Insurance?

What Is Reciprocal Insurance?

Reciprocal insurance bypasses traditional insurance structures to give policyholders more ownership of their policies and risks.
In the Face of Flood Threats, Most Louisiana Communities Opt for Federal Flood Insurance

In the Face of Flood Threats, Most Louisiana Communities Opt for Federal Flood Insurance

Only 36 municipalities don’t participate in FEMA’s program, with most in the northwestern part of the state.
11% of Texas Communities Pass on Federal Flood Insurance Protection

11% of Texas Communities Pass on Federal Flood Insurance Protection

Many may be unprepared to recover and rebuild after a catastrophic flood.
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.