Homeowners Insurance Knowledge

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

Gen Z Grasps at the American Dream of Homeownership but Struggles With Nihilistic Spending

Gen Z Grasps at the American Dream of Homeownership but Struggles With Nihilistic Spending

Gen Z is clawing toward stability and homeownership through sheer grit and a new twist on ’90s-style financial advice. But first, they’ll need to curb some doom spending.
By Cassie Sheets|August 12, 2024
Best Insurance for Vacation Homes (2026)

Best Insurance for Vacation Homes

Vacation home insurance tends to cost more and work a bit differently than primary home insurance. Farmers and Progressive offer some of the best vacation home coverage.
By Jessica Martel|August 8, 2024
Lightning Sparked $1.2 Billion in U.S. Home Insurance Claim Payouts in 2023

Lightning Sparked $1.2 Billion in U.S. Home Insurance Claim Payouts in 2023

Florida had the most claims, but Texas payouts were most expensive.
By Julia Taliesin|August 8, 2024
How Long Does It Take to Get Homeowners Insurance?

How Long Does It Take to Get Homeowners Insurance?

It can take between five minutes to a few days to secure home insurance coverage.
By Anna Baluch|August 6, 2024
How Much Does an Umbrella Policy Cost? (2026)

How Much Does an Umbrella Policy Cost?

For a policyholder with one home, two cars, and two drivers, the average annual cost of a $1 million umbrella policy is $383.
By Sarah Sharkey|August 2, 2024
What Is Umbrella Home Insurance?

What Is Umbrella Home Insurance?

Umbrella insurance offers extra liability protection when you exceed your policy limits.
By A.M. Steinbach|August 2, 2024
How to Get Homeowners Insurance After Non-Renewal

How to Get Homeowners Insurance After Non-Renewal

You can find new homeowners insurance after non-renewal by shopping around or working with an insurance broker.
By Jamie Johnson|August 1, 2024
Homeowners Insurance vs. Mortgage Insurance: What’s the Difference?

Homeowners Insurance vs. Mortgage Insurance: What’s the Difference?

Homeowners insurance protects your house — and your pocketbook — against damages. Mortgage insurance protects your mortgage lender.
By Joe Dyton|July 31, 2024
Florida Counties Retain Federal Flood Insurance Discounts — For Now

Florida Counties Retain Federal Flood Insurance Discounts — For Now

Communities receive discounts for taking flood mitigation measures.
By Sara Getman|July 31, 2024
Change of Address Checklist: What to Do and Who to Notify

Change of Address Checklist: What to Do and Who to Notify

After moving, you’ll need to update your home address in many different places.
By Elizabeth Rivelli|July 29, 2024
The Hidden Cost of Insurance: Reinsurance Is Elevating Coverage Rates for Americans Everywhere

The Hidden Cost of Insurance: Reinsurance Is Elevating Coverage Rates for Americans Everywhere

‘Insurance for insurer’ rates are rising and those costs are being passed on to policyholders.
By Julia Taliesin|July 26, 2024
Project 2025 Aims to End 56-Year-Old National Flood Insurance Program

Project 2025 Aims to End 56-Year-Old National Flood Insurance Program

The nearly 5 million existing NFIP policyholders would likely face higher flood insurance premiums or choose to opt out of coverage if the NFIP ends.
By Katie Powers|July 25, 2024
Best Condo Insurance in Florida (2026)

Best Condo Insurance in Florida

Despite the number of insurers that have ceased operations altogether or left Florida, it’s still possible to get quality condo insurance from insurers like Allstate, Progressive, State Farm, and more.
By Daria Kelly Uhlig|July 25, 2024
Tiny Home Insurance: What to Know

Tiny Home Insurance: What to Know

Proper Insurance, Progressive, and American Modern are a few of the best options for tiny home insurance.
By Jess Ullrich|July 24, 2024
HOA Insurance: How It Works and What It Covers

HOA Insurance: How It Works and What It Covers

HOA insurance covers common areas owned by a homeowners association, but it doesn’t offer much protection to the owners’ residences.
By Daria Kelly Uhlig|July 23, 2024
How Much Does a Heat Pump Cost in 2026?

How Much Does a Heat Pump Cost in 2026?

Heat pumps typically have a higher price tag than some traditional heating and cooling systems, but installing this energy-efficient alternative can save you hundreds or thousands of dollars on your energy bill.
By Jessica Martel|July 22, 2024
How to Save on Home Insurance With a Security System

How to Save on Home Insurance With a Security System

Most home insurance companies offer discounts for having a security system. Homeowners who install them can save up to 20%, but discounts vary by insurer.
By Janet Berry-Johnson|July 22, 2024
As Hurricane Season Hits, More Homeowners Pushed to Florida’s Last-Resort Insurer

As Hurricane Season Hits, More Homeowners Pushed to Florida’s Last-Resort Insurer

Citizens Property Insurance’s policy count rose about 1.7% since June 1, bucking state’s efforts to cull high-risk homes from insurer of last resort’s rolls.
By Sara Getman|July 18, 2024