Homeowners Insurance Knowledge

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

What Temperature to Leave a Vacant House in Winter

What Temperature to Leave a Vacant House in Winter

Insurers don’t cover damage from negligence, so it’s important to complete home maintenance tasks, including setting your thermostat, before leaving your home vacant during the winter.
By Katie Powers|December 9, 2024
ASI Policyholders Face Steep 30% Homeowners Rate Increase in 2025

ASI Policyholders Face Steep 30% Homeowners Rate Increase in 2025

Insurer also plans to drop over 5,000 policies due to wildfire risks.
By Evelyn Pimplaskar|December 9, 2024
Amica OK to Hike Home Insurance Rates by 21% in California

Amica OK to Hike Home Insurance Rates by 21% in California

Amica’s increases will affect nearly 40,000 home, renters, and condo insurance policyholders.
By Evelyn Pimplaskar|December 9, 2024
Best Co-Op Insurance in NYC (2025)

Best Co-Op Insurance in NYC (2025)

State Farm, Allstate, and Nationwide are some of the best co-op insurance companies in NYC.
By Amy Beardsley|December 9, 2024
How Flood Insurance Payouts Work, and How to Get More From a Claim

How Flood Insurance Payouts Work, and How to Get More From a Claim

Document all damage with photos, videos, and receipts to maximize your flood insurance payout.
By Amy Beardsley|December 6, 2024
How to Winterize Your Home

How to Winterize Your Home

Cleaning gutters and programming your thermostat are two ways to winterize your home.
By Daria Kelly Uhlig|December 5, 2024
Insurance Appraisal Guide for Homeowners

Insurance Appraisal Guide for Homeowners

You might need an insurance appraisal when buying a new home, doing a remodel, or filing a large claim.
By A.M. Steinbach|December 5, 2024
Louisiana Insurance Commissioner Pushes to Expand ‘Fortify Homes Program’ After Recent Successes

Louisiana Insurance Commissioner Pushes to Expand ‘Fortify Homes Program’ After Recent Successes

Thousands of residents applied for a lottery to receive a $10,000 grant for FORTIFIED roof repairs.
By Julia Taliesin|December 5, 2024
Private Flood Insurance vs. FEMA: Which Is Right for You?

Private Flood Insurance vs. FEMA: Which Is Right for You?

Both private flood insurance and FEMA insurance can protect you in case of a flood, but these policies have some important differences.
By Erin Gobler|December 4, 2024
Tips for Filing a Home Insurance Claim for a Burst Pipe

Tips for Filing a Home Insurance Claim for a Burst Pipe

A burst pipe can cause major damage to your home and personal belongings. Home insurance usually covers this hazard, but some exceptions exist.
By Erin Gobler|December 4, 2024
Guaranteed Replacement Cost: What You Need to Know

Guaranteed Replacement Cost: What You Need to Know

Guaranteed replacement cost is an optional homeowners insurance coverage that expands your policy’s limits if it costs more than expected to repair your home.
By Stephanie Colestock|December 4, 2024
Understanding Home Business Insurance

Understanding Home Business Insurance

Home business insurance offers protection in case of various financial losses. But you have several types of home business insurance to consider.
By John Egan|December 4, 2024
Does Allstate Have Dog Breed Restrictions for Homeowners Insurance?

Does Allstate Have Dog Breed Restrictions for Homeowners Insurance?

Allstate doesn’t have dog breed restrictions for homeowners insurance. But if your dog has a bite history, you might not be able to get coverage.
By Kim Porter|December 3, 2024
What to Know About Home Insurance If You Rent Out Your House

What to Know About Home Insurance If You Rent Out Your House

When renting out your home, you may need a specialized type of home insurance policy, which likely has a higher price tag.
By Erin Gobler|December 2, 2024
11% of Texas Communities Pass on Federal Flood Insurance Protection

11% of Texas Communities Pass on Federal Flood Insurance Protection

Many may be unprepared to recover and rebuild after a catastrophic flood.
By Sara Getman|December 2, 2024
What Is Home Repair Insurance? (2025)

What Is Home Repair Insurance? (2025)

Home repair insurance is financial protection for your home’s systems — like plumbing or HVAC — and appliances in case of breakdowns.
By Amy Beardsley|December 2, 2024
In the Face of Flood Threats, Most Louisiana Communities Opt for Federal Flood Insurance

In the Face of Flood Threats, Most Louisiana Communities Opt for Federal Flood Insurance

Only 36 municipalities don’t participate in FEMA’s program, with most in the northwestern part of the state.
By Chris Schafer|December 2, 2024
What Is Reciprocal Insurance?

What Is Reciprocal Insurance?

Reciprocal insurance bypasses traditional insurance structures to give policyholders more ownership of their policies and risks.
By Danny Smith|December 2, 2024