Homeowners Insurance Knowledge

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

Lower Disaster Losses for Insurers Won’t Add Up to Lower Rates for Homeowners

Lower Disaster Losses for Insurers Won’t Add Up to Lower Rates for Homeowners

A quiet catastrophe year gives insurance companies a break. Still, La Niña, wildfire risks, and severe storms mean homeowners should stay alert and proactive.
USAA Seeking Another 7% Home Insurance Increase in California

USAA Seeking Another 7% Home Insurance Increase in California

The proposed increase would affect 350,000 Californians.
What Manufactured and Mobile Home Insurance Covers (2026)

What Manufactured and Mobile Home Insurance Covers

Insurance for manufactured and mobile homes covers damage to the structure, your personal belongings, and provides liability coverage.
Holiday Shopping Survey: Porch Pirates and Tariffs Threaten Gift-Giving in 2025

Holiday Shopping Survey: Porch Pirates and Tariffs Threaten Gift-Giving in 2025

Americans face more risks than porch pirates this holiday season. While 46% of Americans have fallen victim to package theft, another 79% say tariffs will cause them to adjust their shopping plans.
Florida Insurance Crisis: Why Rates Are High, and What You Can Do

Florida Insurance Crisis: Why Rates Are High, and What You Can Do

Explore the roots of Florida’s home insurance crisis, from hurricanes and lawsuits to market reforms. Learn how to protect your property and wallet.
How Much Is Homeowners Insurance on a $150,000 House? (2026)

How Much Is Homeowners Insurance on a $150,000 House?

The average annual cost of homeowners insurance for a $150,000 home is $1,511.
What Your Home’s Protection Class Is and How to Find It

What Your Home’s Protection Class Is and How to Find It

Your home’s protection class is a grade that Insurance Services Office, Inc. (ISO) gives to homes based on their proximity to fire protection services in a community.
How Long Can a Mortgage Company Hold an Insurance Check?

How Long Can a Mortgage Company Hold an Insurance Check?

Your mortgage company can hold your insurance check until the repairs are complete, but they have to release funds within a certain time.
Florida Hurricane Deductible: A Complete Guide for Homeowners

Florida Hurricane Deductible: A Complete Guide for Homeowners

Hurricane deductibles in Florida take precedence over your regular deductible until the hurricane has subsided.
What State Farm Home Systems Protection Covers

What State Farm Home Systems Protection Covers

State Farm’s home systems protection is an add-on coverage to your home insurance policy that covers accidental electrical and mechanical breakdowns of your appliances.
Chubb Home Insurance Review: Ratings and Quotes (2026)

Chubb Home Insurance Review: Ratings and Quotes

Don’t let Chubb’s luxury reputation fool you — the company protects homes of all sizes with comprehensive coverage and surprisingly competitive rates.
How to Get Anonymous Home Insurance Quotes Online (2026)

How to Get Anonymous Home Insurance Quotes Online

It’s difficult to get accurate insurance quotes without giving some personal information, but you have ways to minimize your risk of spam.
Frontline Home Insurance Review: Ratings and Quotes (2026)

Frontline Home Insurance Review: Ratings and Quotes

Frontline sells home insurance in five storm-prone states.
Cheapest Homeowners Insurance for Seniors (2026)

Cheapest Homeowners Insurance for Seniors

Your age won’t affect your home insurance rate, but several other factors will.
Florida Property Tax Exemptions and Discounts

Florida Property Tax Exemptions and Discounts

Sunshine State homeowners can save up to $50,000 in property taxes with Florida’s homestead exemption.
Do You Need Windstorm Insurance in Florida?

Do You Need Windstorm Insurance in Florida?

Most homeowners in Florida, especially those in coastal regions, need windstorm insurance.
High-Value Home Insurance (2026)

High-Value Home Insurance

Chubb and Westfield offer some of the best home insurance coverage for homes worth more than $750,000.
5 Best Home Insurance Companies (2026)

5 Best Home Insurance Companies

State Farm and American Family are two of the best home insurance companies.