Homeowners Insurance Knowledge

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

Hidden Costs of Homeownership Come in at $21,084 — on Top of a Mortgage

Hidden Costs of Homeownership Come in at $21,084 — on Top of a Mortgage

Insurance, utilities, and other homeownership costs are eating into Americans’ budgets. In states like Hawaii and California, non-mortgage costs can surpass $30,000 per year.
By Matt Brannon|September 2, 2025
10 Areas of Your Home That Most Homeowners Insurance Policies Don’t Protect

10 Areas of Your Home That Most Homeowners Insurance Policies Don’t Protect

Make sure your home insurance thoroughly protects your home by adding relevant supplemental coverages, like flood and earthquake coverage.
By Theresa Stevens |August 28, 2025
12 Ways to Lower Your Electric Bill

12 Ways to Lower Your Electric Bill

Unplugging devices, installing a smart thermostat, and getting an energy audit are a few ways you can lower your electric bill.
By Catherine Collins|August 27, 2025
Home Security Statistics and Trends in 2025

Home Security Statistics and Trends in 2025

Home security survey shows that 56% of Americans install security systems to protect themselves, though FBI data reveals that home-related crime has been on the decline the past two decades.
By Jennifer Connolly|August 27, 2025
Poor Credit Hits Homeowners Hard When Buying Home Insurance, Report Finds

Poor Credit Hits Homeowners Hard When Buying Home Insurance, Report Finds

Even average credit can make home insurance more expensive, study says.
By Evelyn Pimplaskar|August 20, 2025
Rate Decreases May Be on the Way for Some Florida Condo and Home Owners

Rate Decreases May Be on the Way for Some Florida Condo and Home Owners

State’s ninth-largest home insurer is seeking a rate decrease for some policyholders.
By Sara Getman|August 18, 2025
State Farm Faces Lawsuit Over Denied Hail and Wind Claims in Alabama

State Farm Faces Lawsuit Over Denied Hail and Wind Claims in Alabama

Damages range from $18,000 to $20,000 per claimant.
By Chris Schafer|August 18, 2025
American Family Home Insurance Review: Ratings and Quotes (2026)

American Family Home Insurance Review: Ratings and Quotes

Coverage is available for homeowners, condo owners, and even renters in 19 states, with top industry and customer satisfaction ratings.
By Stephanie Colestock|August 11, 2025
Cheapest Home Insurance for Older Homes (2026)

Cheapest Home Insurance for Older Homes

The cheapest insurance company for older homes is Westfield, with average monthly premiums of $117.
By Alani Asis|August 8, 2025
New Mexico’s FAIR Plan Gets $300K Coverage Boost

New Mexico’s FAIR Plan Gets $300K Coverage Boost

Home insurer of last resort will now cover homes valued at up to $750K.
By Sara Getman|July 29, 2025
Lemonade to Stop Selling Home Insurance in More Texas Counties as State Faces High Climate Risks

Lemonade to Stop Selling Home Insurance in More Texas Counties as State Faces High Climate Risks

In a state marked by climate disasters, homeowners continue to lose coverage options.
By Katie Powers|July 29, 2025
Florida Has Now Added More Home Insurers Than It Lost Since 2020

Florida Has Now Added More Home Insurers Than It Lost Since 2020

But the state’s climate challenges still leave Florida homeowners paying record-high premiums.
By Cassie Sheets|July 28, 2025
Most Americans Don’t Trust Insurers Will Help Them When Something Goes Wrong, Study Finds

Most Americans Don’t Trust Insurers Will Help Them When Something Goes Wrong, Study Finds

While most know they need home and car insurance, 24% have reduced coverage to save money.
By Katie Powers|July 28, 2025
Already, U.S. Natural Disasters Drive Near-Record Global Insurance Losses in 2025

Already, U.S. Natural Disasters Drive Near-Record Global Insurance Losses in 2025

$84 billion losses signal bigger bills, fewer options for American property owners
By Cassie Sheets|July 28, 2025
What Is an Escrow Refund and When Do You Get One?

What Is an Escrow Refund and When Do You Get One?

Your mortgage lender could give you money back from your escrow fund if you have more in it than you need to cover taxes and insurance.
By Daria Kelly Uhlig|July 22, 2025
Illinois Homeowners Face Near-Record Insurance Rate Hike

Illinois Homeowners Face Near-Record Insurance Rate Hike

State Farm rolls out 27% increase in July and August, prompting governor to call for legislative intercession.
By Chris Schafer|July 22, 2025
What Is FAIR Plan Homeowners Insurance?

What Is FAIR Plan Homeowners Insurance?

FAIR Plans provide insurance to homeowners who can’t get coverage in the standard insurance marketplace. But not every state has one.
By Stephanie Colestock|July 21, 2025
What an HO-4 Insurance Policy Covers

What an HO-4 Insurance Policy Covers

An HO-4 policy covers liability and personal property for renters.
By Kevin Payne|July 16, 2025