Homeowners Insurance Knowledge

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

Winter Fires Pose Double Threat to Uninsured Homeowners

Winter Fires Pose Double Threat to Uninsured Homeowners

10 states have high rates of uninsured homes and higher risks of devastating home fires.
What Is the 80/20 Rule in Home Insurance?

What Is the 80/20 Rule in Home Insurance?

Following the 80/20 rule could help ensure you’ll get the payout amount you need if you ever have to file a home insurance claim.
The Zebra Home Insurance Review: How the Comparison Site Stacks Up

The Zebra Home Insurance Review: How the Comparison Site Stacks Up

The Zebra is a trustworthy insurance-comparison site, but some users might have to click through to individual insurer websites to see actual quotes.
Farmers Ends Cap on New Home Policies in California

Farmers Ends Cap on New Home Policies in California

Insurer credits regulatory reforms in decision to lift ban on selling over 9,500 new policies per month.
LA County Investigating State Farm’s Handling of January Wildfire Claims

LA County Investigating State Farm’s Handling of January Wildfire Claims

Policyholders complain of slow-walking, underpayments, and denials, county says.
NY Needs Home Insurance Reform, Industry Watchers Tell Regulators

NY Needs Home Insurance Reform, Industry Watchers Tell Regulators

Rising premiums, fewer options, denied claims, and policy cancellations are growing the crisis, NY Senate committee hears.
Landlord Insurance: Coverage, Costs, and How to Choose a Policy

Landlord Insurance: Coverage, Costs, and How to Choose a Policy

Landlord insurance covers property damage, liability claims, and lost rental income. If you own a rental home, it offers essential protection for your property.
Vacant and Unoccupied Home Insurance: Coverages, Costs, and How to Buy It

Vacant and Unoccupied Home Insurance: Coverages, Costs, and How to Buy It

A standard homeowners insurance policy doesn’t cover a vacant property, so you’ll need vacant home insurance to protect an empty house.
Condo Insurance in Florida: Costs, Coverage, and Requirements

Condo Insurance in Florida: Costs, Coverage, and Requirements

On average, condo owners pay $1,811 annually for condo insurance in the Sunshine State.
Manufactured and Mobile Home Insurance in Florida (2026)

Manufactured and Mobile Home Insurance in Florida

Mobile home insurance can protect your home from unforeseen events like theft and fires.
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.