Homeowners Insurance Knowledge

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

Suing Over an Insurance Claim Often Leads to Smaller Payout, Experts Say

Suing Over an Insurance Claim Often Leads to Smaller Payout, Experts Say

Deceptive attorney practices and third-party funding unnecessarily drive up claims costs, industry pros report.
By Julia Taliesin|October 11, 2024
What Are Flood Insurance Requirements for Homeowners?

What Are Flood Insurance Requirements for Homeowners?

Flood insurance requirements for homeowners vary depending on where you live and your lender’s requirements.
By Jess Ullrich|October 9, 2024
When Should You Replace Your Roof?

When Should You Replace Your Roof?

If your roof is more than 20 years old and starting to noticeably sag or leak, it may be time to replace it.
By Jamie Johnson|October 9, 2024
Home Insurance Cancellation Laws by State: What You Can Do

Home Insurance Cancellation Laws by State: What You Can Do

Home insurance companies can cancel your policy in certain circumstances. To protect consumers, each state has different home insurance cancellation laws and requirements.
By Elizabeth Rivelli|October 8, 2024
What Is Extended Replacement Cost in Homeowners Insurance?

What Is Extended Replacement Cost in Homeowners Insurance?

Extended replacement cost coverage is an endorsement that provides additional coverage past your policy’s limit.
By Alani Asis|October 7, 2024
New Homeowner Checklist: Before, During, and After Your Move

New Homeowner Checklist: Before, During, and After Your Move

You have several tasks to complete before moving into a new home, including setting up utilities, registering a change of address, and securing home insurance.
By Danny Smith|October 4, 2024
15 States Facing an Imminent Insurance Crisis

15 States Facing an Imminent Insurance Crisis

Hurricane damage is fueling mounting insurance crises in North Carolina and Texas as insurers pull back in more than a dozen states across the U.S.
By Cassie Sheets|October 4, 2024
Does Homeowners Insurance Cover Theft?

Does Homeowners Insurance Cover Theft?

Homeowners insurance covers theft if your personal items get stolen during a break-in.
By Elizabeth Rivelli|October 3, 2024
22 Questions to Ask About Homeowners Insurance

22 Questions to Ask About Homeowners Insurance

It’s tough to know what questions to ask about homeowners insurance. Here’s a quick guide so you know how to ensure you’re getting the right coverage.
By Lindsay VanSomeren|October 3, 2024
What Is a DP-1 Insurance Policy, and Who Needs It?

What Is a DP-1 Insurance Policy, and Who Needs It?

A DP-1 insurance policy protects vacant homes against perils like fire, lightning, windstorms, and more.
By Danny Smith|October 2, 2024
What Is a DP-3 Form Insurance Policy, and Who Needs It?

What Is a DP-3 Form Insurance Policy, and Who Needs It?

A DP-3 form insurance policy is the most comprehensive dwelling fire insurance policy.
By Danny Smith|October 1, 2024
Homeowners Insurance and Pit Bulls: How to Find the Best Coverage

Homeowners Insurance and Pit Bulls: How to Find the Best Coverage

Some insurers won’t cover homes with pit bulls or may charge much higher rates. Fortunately, you have options.
By Anna Baluch|September 26, 2024
Home Insurance for New Construction: What to Know

Home Insurance for New Construction: What to Know

If your home is newly constructed or under construction, you may need more coverage than basic homeowners insurance.
By A.M. Steinbach|September 26, 2024
Home Maintenance Checklist for Insurance-Savvy Homeowners

Home Maintenance Checklist for Insurance-Savvy Homeowners

Regular home maintenance can keep your house in good condition and help you avoid unnecessary homeowners insurance increases.
By Sarah Sharkey|September 25, 2024
Holiday Shopping Trends 2024: 84% of Americans Plan to Buy Online, But Porch Pirates and Payment Plans Could Hamper Gift Giving

Holiday Shopping Trends 2024: 84% of Americans Plan to Buy Online, But Porch Pirates and Payment Plans Could Hamper Gift Giving

An Insurify survey revealed that 14% of Americans plan to spend more than they can afford on holiday gifts this year, and buy-now-pay-later loans are fueling overspending. The nearly 40% of online shoppers who’ve had package thefts risk not receiving their gifts at all.
By Cassie Sheets|September 25, 2024
Rising Home Insurance Rates Hamper Customer Satisfaction and Drive Policy Shopping, Study Finds

Rising Home Insurance Rates Hamper Customer Satisfaction and Drive Policy Shopping, Study Finds

A record number of consumers are shopping for new policies, but few are actually making the switch.
By Julia Taliesin|September 25, 2024
What Are Named Perils in Home Insurance?

What Are Named Perils in Home Insurance?

Named perils outline what your home insurance policy will and won’t cover. But there’s more to know than just what’s on the list.
By Taylor Milam-Samuel |September 24, 2024
Does Homeowners Insurance Cover Hoarding Cleanup?

Does Homeowners Insurance Cover Hoarding Cleanup?

Home insurance doesn’t normally cover hoarding cleanup or damage caused by hoarding.
By Elizabeth Rivelli|September 23, 2024