Homeowners Insurance Knowledge

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

Cost of Earthquake Insurance in 2026

Cost of Earthquake Insurance in 2026

The cost of earthquake insurance varies depending on your location, coverage, and home construction.
What Is DIC Insurance, and Who Needs It?

What Is DIC Insurance, and Who Needs It?

Difference in conditions coverage can give you extra protection against catastrophic events that standard homeowners insurance doesn’t cover.
Best Dog-Friendly Home Insurance Companies (2026)

Best Dog-Friendly Home Insurance Companies

Dog owners may have to search a bit harder to find home insurance. American Family, State Farm, and Nationwide are a few of the best dog-friendly insurers to consider.
2.6 Million U.S. Homes Face Wildfire Risk, Report Finds

2.6 Million U.S. Homes Face Wildfire Risk, Report Finds

California, Colorado, and Texas have the most at-risk homes — but the report finds mitigation can greatly reduce losses.
Will California’s Home Insurance Crisis Drive Up Costs for Renters Too?

Will California’s Home Insurance Crisis Drive Up Costs for Renters Too?

High home insurance rates could prompt landlords to pass costs on to tenants.
Best Co-op Insurance Companies (2026)

Best Co-op Insurance Companies

Amica Mutual, USAA, and American Family are a few of the top insurers to consider for co-op insurance.
Off-Grid Home Insurance: What You Need to Know

Off-Grid Home Insurance: What You Need to Know

You still need to protect your home even if you’re living off-grid. Here’s how to find off-grid home insurance.
State Farm Seeks 38% Rate Hike for California Renters Insurance

State Farm Seeks 38% Rate Hike for California Renters Insurance

Insurer also plans to shed 600+ renters policies in high-fire-risk areas.
Ask an Agent: Does Your Car or Home Insurance Premium Subsidize High-Risk States?

Ask an Agent: Does Your Car or Home Insurance Premium Subsidize High-Risk States?

Policyholders wonder why insurance is skyrocketing as federally regulated coverage becomes a topic of national debate. A licensed agent answered these complex insurance questions.
‘Everything Has Gone Up’: Retirees Feel Burdened by Inflation as Home Insurance Costs Surge

‘Everything Has Gone Up’: Retirees Feel Burdened by Inflation as Home Insurance Costs Surge

Popular retirement states may lose their luster as home insurance rates skyrocket. The average Florida premium costs more than one-third of the average retirement income.
Home Renovation Insurance: What Homeowners Need to Know

Home Renovation Insurance: What Homeowners Need to Know

Standard home insurance may not cover all renovation risks. Consider adding home renovation insurance to fill coverage gaps.
Mobile Home Insurer Cancels Policies in Florida

Mobile Home Insurer Cancels Policies in Florida

Mobile homeowners may end up paying twice as much for a policy through the state’s insurer of last resort.
Can You Get Homeowners Insurance Without an Inspection?

Can You Get Homeowners Insurance Without an Inspection?

Though insurers don’t always require an inspection to buy home insurance, most companies will want to assess your home for potential risks.
Hurricane Debby’s Uninsured Losses Could Top $9.7 Billion, Report Shows

Hurricane Debby’s Uninsured Losses Could Top $9.7 Billion, Report Shows

78% of damage occurred outside flood zones where borrowers with federally backed mortgages must buy flood insurance.
What Is Force-Placed Insurance on a Home?

What Is Force-Placed Insurance on a Home?

If your home insurance lapses and you don’t find a replacement policy, your lender will take out force-placed insurance.
Hurricane Beryl Already Increasing Insurance Costs for Texans

Hurricane Beryl Already Increasing Insurance Costs for Texans

The storm could wipe out catastrophic reserves of state’s windstorm insurer.
Progressive halts new home insurance policies in Texas and some Midwestern states

Progressive halts new home insurance policies in Texas and some Midwestern states

Insurer aims to mitigate losses from severe weather threats.
Do You Need Flood Insurance?

Do You Need Flood Insurance?

You might need flood insurance depending on where you live and what type of mortgage you have. And flood insurance could make sense even if you don’t meet specific risk criteria.