Homeowners Insurance Knowledge

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

Preparation Pays Off: Investing in Climate Resilience Helps the Economy, Report Shows

Preparation Pays Off: Investing in Climate Resilience Helps the Economy, Report Shows

Every $1 investment in climate resilience saves $13 in economic costs, U.S. Chamber of Commerce says.
By Julia Taliesin|July 18, 2024
Washington To Elect First New State Insurance Commissioner in Over 20 Years

Washington To Elect First New State Insurance Commissioner in Over 20 Years

After 24 years as Washington’s insurance commissioner, Mike Kriedler isn’t seeking re-election.
By Katie Powers|July 18, 2024
What’s an Act of God in Homeowners Insurance?

What’s an Act of God in Homeowners Insurance?

Acts of God are natural disasters beyond your control. But you may be able to secure insurance coverage to protect your property.
By Jacqueline DeMarco|July 17, 2024
What Is Sinkhole Insurance and Who Needs It?

What Is Sinkhole Insurance and Who Needs It?

You may need sinkhole insurance if you live in at-risk states like Alabama, Florida, Kentucky, Missouri, Pennsylvania, Tennessee, and Texas.
By Miranda Marquit |July 15, 2024
Does Home Insurance Cover Jewelry?

Does Home Insurance Cover Jewelry?

Home insurance usually includes jewelry coverage — but only up to a certain amount. You might need an extra policy to protect high-value pieces.
By Taylor Milam-Samuel |July 12, 2024
Replacement Cost vs. Market Value: What’s the Difference?

Replacement Cost vs. Market Value: What’s the Difference?

Replacement cost is the cost of rebuilding your home or replacing damaged property based on current prices. Market value is the amount of money your home would sell for in the current market.
By Daria Kelly Uhlig|July 12, 2024
Does Homeowners Insurance Cover HVAC Systems?

Does Homeowners Insurance Cover HVAC Systems?

Most standard home insurance policies protect damage to HVAC systems stemming from a covered event, like a fire or windstorm.
By Miranda Marquit |July 11, 2024
How to Get Home Insurance to Pay for Water Damage

How to Get Home Insurance to Pay for Water Damage

Standard home insurance policies typically cover sudden water damage from inside your home, but it’s important to understand the limits of your protection.
By Michelle Lambright Black|July 10, 2024
Pool Safety Tips Every Homeowner Should Know

Pool Safety Tips Every Homeowner Should Know

Stay safe this summer by knowing important pool safety tips and carrying the right amount of pool insurance coverage.
By Alani Asis|July 8, 2024
Is an HO-8 Policy Right for Your Home?

Is an HO-8 Policy Right for Your Home?

An HO-8 policy may make sense if you own an older home, but this type of policy has drawbacks you need to consider.
By Anna Baluch|July 3, 2024
Senate Lawmakers Butt Heads Over Cause of Home Insurance Crises

Senate Lawmakers Butt Heads Over Cause of Home Insurance Crises

Budget committee splits along party lines whether climate change or inflation is cause of skyrocketing rates.
By Julia Taliesin|July 3, 2024
California’s Largest Home Insurer Seeks Dramatic Rate Increase

California’s Largest Home Insurer Seeks Dramatic Rate Increase

State Farm’s proposal would raise home insurance rates by 30%, impacting more than 1 million policyholders.
By Chris Schafer|July 3, 2024
What Is an Elevation Certificate and How Does It Affect Flood Insurance?

What Is an Elevation Certificate and How Does It Affect Flood Insurance?

An elevation certificate is an official document that gauges flood risk and helps determine rates for flood insurance.
By Anna Baluch|July 2, 2024
Too Many Americans Are Mistaken About Insurance: Surveys Say

Too Many Americans Are Mistaken About Insurance: Surveys Say

Flood and homeowners insurance seem to cause the most confusion, polls by Trusted Choice and Insurify reveal.
By Evelyn Pimplaskar|July 2, 2024
Does Homeowners Insurance Cover Pest Control?

Does Homeowners Insurance Cover Pest Control?

Most homeowners insurance policies don’t cover pest control.
By Sarah Sharkey|July 1, 2024
Florida Regulators: Execs of Bankrupt Insurers Illegally Took New Roles

Florida Regulators: Execs of Bankrupt Insurers Illegally Took New Roles

Insurers could lose their right to sell policies in the state if they retain leaders in question.
By Chris Schafer|June 27, 2024
Homeowners Insurance Canceled Because of the Roof? What’s Next

Homeowners Insurance Canceled Because of the Roof? What’s Next

Insurers can choose not to renew your homeowners policy for an old or neglected roof. But you can take steps to prevent this from happening.
By Joe Dyton|June 26, 2024
Wildfire Risks Spark Insurance Woes for Utility Companies

Wildfire Risks Spark Insurance Woes for Utility Companies

Shrinking options and escalating costs for power companies mirror the home insurance crises facing consumers.
By Evelyn Pimplaskar|June 26, 2024