Homeowners Insurance Knowledge

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

What Is Contents Insurance and How Does It Work?

What Is Contents Insurance and How Does It Work?

If your personal belongings are damaged or stolen, contents insurance may cover the replacement costs.
By Sarah Archambault|October 7, 2025
Well Water vs. City Water: Which Is Better?

Well Water vs. City Water: Which Is Better?

Well water and city water vary by cost and water quality regulations. Learn more about each water source and find out which one fits your needs.
By Sarah Archambault|October 2, 2025
Most U.S. Homeowners Worry About Increasingly Expensive Insurance Costs, Survey Finds

Most U.S. Homeowners Worry About Increasingly Expensive Insurance Costs, Survey Finds

Seventy-five percent of American homeowners think home insurance will soon be unaffordable, according to Realtor.com’s research.
By Katie Powers|September 30, 2025
Home Insurers Recommitting to California Market

Home Insurers Recommitting to California Market

Five home insurers, including three of the 10 largest, have returned or recommitted to the state’s embattled insurance market
By Chris Schafer|September 30, 2025
With National Flood Insurance Program Set to Expire, Fewer Are Buying Flood Coverage

With National Flood Insurance Program Set to Expire, Fewer Are Buying Flood Coverage

The NFIP has shed nearly 12,000 policies since August 2024, and more communities are forgoing participation in the federal program.
By Evelyn Pimplaskar|September 29, 2025
California Set to Launch First Public Wildfire Model for Home Insurance

California Set to Launch First Public Wildfire Model for Home Insurance

Model could help regulators and homeowners better understand rate increases.
By Katie Powers|September 24, 2025
More Florida Homeowners Suing Over Denied Insurance Claims, Report Finds

More Florida Homeowners Suing Over Denied Insurance Claims, Report Finds

Following tort reform, insurers are denying more claims, and more homeowners are taking legal action, Weiss Ratings says.
By Evelyn Pimplaskar|September 22, 2025
For 61% of Gen Z Renters, Emotion — More Than Financial Security — Drives Homeownership Desires

For 61% of Gen Z Renters, Emotion — More Than Financial Security — Drives Homeownership Desires

Nearly all Gen Z renters want to be homeowners, but over a third can’t afford a down payment.
By Julia Taliesin|September 16, 2025
What Is the Florida Homestead Exemption?

What Is the Florida Homestead Exemption?

The Florida Homestead Exemption is a property tax break that can potentially reduce the taxable value of your property by as much as $50,000.
By Nick Dauk|September 11, 2025
How to File a Flood Insurance Claim

How to File a Flood Insurance Claim

You typically have 60 days from the flood to file a flood insurance claim. Make sure to document the damage thoroughly and as soon as you can.
By Emily Guy Birken|September 8, 2025
How Do Home Insurance Companies Pay Out Claims?

How Do Home Insurance Companies Pay Out Claims?

Home insurance companies typically issue claim settlements within one month. The money will go to you, your mortgage company, or the contractor.
By Elizabeth Rivelli|September 4, 2025
Home Warranty vs. Home Insurance: Key Differences

Home Warranty vs. Home Insurance: Key Differences

Home warranties protect your home’s appliances and systems. Home insurance covers your home’s structure, personal belongings, and liability risk.
By Janet Berry-Johnson|September 4, 2025
Home Insurance Renewal: How It Works and What to Consider

Home Insurance Renewal: How It Works and What to Consider

Some home insurance policies renew automatically. If yours doesn’t, it’s important to understand when and how to renew your policy.
By Elizabeth Rivelli|September 4, 2025
High-Risk Homeowners: 67% Would Weather Climate Risk for a Good Deal on a House

High-Risk Homeowners: 67% Would Weather Climate Risk for a Good Deal on a House

Nearly half of surveyed homeowners knew they were buying a disaster-prone home.
By Julia Taliesin|September 4, 2025
How to File a Home Insurance Claim in 7 Steps

How to File a Home Insurance Claim in 7 Steps

As you prepare to file an insurance claim, it’s essential to move quickly, document the damage, and contact your insurer.
By Taylor Milam-Samuel |September 2, 2025
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
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