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
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
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
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
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