Homeowners Insurance Knowledge

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

Swimming Pool Insurance Requirements: What to Know

Swimming Pool Insurance Requirements: What to Know

Home insurance covers swimming pools, but you might need higher coverage limits for adequate liability protection.
By Elizabeth Rivelli|November 25, 2024
How to Remove and Prevent Ice Dams

How to Remove and Prevent Ice Dams

Ice dams are ice buildup on your roof that potentially causes water damage to your home.
By Daria Kelly Uhlig|November 25, 2024
Nearly 200 Missouri Communities Opt Out of Federal Flood Insurance. Are Homeowners Protected?

Nearly 200 Missouri Communities Opt Out of Federal Flood Insurance. Are Homeowners Protected?

Missouri residents in non-participating communities can’t purchase federal flood insurance, leaving them without coverage that could help after a flood.
By Katie Powers|November 25, 2024
Nearly 200 Michigan Communities Can’t Get Flood Insurance — By Choice

Nearly 200 Michigan Communities Can’t Get Flood Insurance — By Choice

Though most Michigan communities have low flood risk and high resilience, climate change is shifting weather patterns — threatening previously low-risk areas.
By Julia Taliesin|November 25, 2024
What Is a Home Insurance Binder?

What Is a Home Insurance Binder?

Home insurance binders are temporary contracts that prove you’ve purchased home insurance.
By Jess Ullrich|November 21, 2024
Home Insurance Adjusters: What to Know

Home Insurance Adjusters: What to Know

A home insurance adjuster assesses damage to your home and calculates your insurance payout after you file a claim.
By Anna Baluch|November 20, 2024
USAA Home Insurance Rates Climbing for 265,000 California Homeowners

USAA Home Insurance Rates Climbing for 265,000 California Homeowners

The agreement ends the class action lawsuit, but more legal issues remain for the automakers.
By Chris Schafer|November 19, 2024
Does Home Insurance Cover Foundation Repair?

Does Home Insurance Cover Foundation Repair?

If a covered peril causes foundation damage, your home insurance will likely cover it.
By Miranda Marquit |November 18, 2024
What Is Builder’s Risk Insurance for Homeowners?

What Is Builder’s Risk Insurance for Homeowners?

Builder’s risk insurance protects a property while it’s being constructed or renovated.
By Anna Baluch|November 15, 2024
Does Homeowners Insurance Cover Damage from a Party?

Does Homeowners Insurance Cover Damage from a Party?

Home insurance usually covers damage to your home from a party. But if you’re planning a big event or will serve alcohol, you may need extra coverage.
By Alani Asis|November 13, 2024
How to Transfer Home Ownership

How to Transfer Home Ownership

The legal requirements for title transfers can be complex, but a real estate agent or an attorney can help you navigate the process.
By Lindsay VanSomeren|November 12, 2024
Got Flood Insurance? You’ll Be Able to Make Monthly Payments Come January

Got Flood Insurance? You’ll Be Able to Make Monthly Payments Come January

Policyholders previously had to pay their national flood insurance premiums on an annual basis.
By Julia Taliesin|November 12, 2024
Does Home Insurance Cover Electrical Panel Replacement?

Does Home Insurance Cover Electrical Panel Replacement?

If a covered event damages your home’s electric panel, your homeowners insurance might pay to repair or replace it.
By John Egan|November 8, 2024
Law and Ordinance Coverage: Do You Really Need It?

Law and Ordinance Coverage: Do You Really Need It?

A law and ordinance endorsement can save you thousands of dollars if you need to repair or replace an older home up to modern building codes.
By Lindsay VanSomeren|November 6, 2024
Can You Keep Leftover Money From a Home Insurance Claim?

Can You Keep Leftover Money From a Home Insurance Claim?

You can keep the leftover money from a home insurance claim in most cases, depending on your state’s laws and your policy details.
By Danny Smith|November 1, 2024
Milton Lands Among Top 10 Costliest Hurricanes for Insured Losses

Milton Lands Among Top 10 Costliest Hurricanes for Insured Losses

Helene was deadlier, and fewer victims had insurance to cover storm damage.
By Julia Taliesin|October 31, 2024
Why Idaho Home Insurance Premiums Have Increased by 17% in 2024

Why Idaho Home Insurance Premiums Have Increased by 17% in 2024

Growing wildfire risks are largely to blame, insurance regulators say.
By Cassie Sheets|October 30, 2024
Colorado Pushes Insurers to Incentivize Wildfire Mitigation Efforts

Colorado Pushes Insurers to Incentivize Wildfire Mitigation Efforts

The growing wildfire risk to property is leading insurance companies to cut coverage in several Colorado counties.
By Julia Taliesin|October 30, 2024