Homeowners Insurance Knowledge

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

10 Fireplace Safety Tips for Homeowners

10 Fireplace Safety Tips for Homeowners

To prevent home fires, practice fireplace safety for wood-burning and gas-fueled fireplaces.
By Alani Asis|September 20, 2024
Best Condo Insurance in New York City (2025)

Best Condo Insurance in New York City (2025)

State Farm, Nationwide, and Travelers are the best picks for NYC condo insurance based on their coverage options and reliable customer service.
By Amy Beardsley|September 20, 2024
Does Home Insurance Cover Roof Leaks?

Does Home Insurance Cover Roof Leaks?

The cause of your roof leak determines who foots the bill for repairs.
By Jacqueline DeMarco|September 19, 2024
California Finalizes New Wildfire-Modeling Regulation to Mandate Coverage in High-Risk Areas

California Finalizes New Wildfire-Modeling Regulation to Mandate Coverage in High-Risk Areas

Insurance companies will have to write policies in areas with high wildfire risk to continue using catastrophe modeling when setting rates.
By Julia Taliesin|September 19, 2024
Farmers Seeking 22% Home Insurance Rate Hike in Ohio

Farmers Seeking 22% Home Insurance Rate Hike in Ohio

If approved, the hike would push rates higher for more than 115,000 Ohio homeowners.
By Katie Powers|September 18, 2024
Rising Reconstruction Costs May Keep Property Insurance Rates Climbing

Rising Reconstruction Costs May Keep Property Insurance Rates Climbing

Some states saw costs increase by 9.6%, report says.
By Julia Taliesin|September 18, 2024
Do You Need to Buy Nanny Insurance?

Do You Need to Buy Nanny Insurance?

If you’re a nanny, you’ll need coverage like liability insurance. If you hire a nanny, you may be responsible for providing insurance, such as workers’ compensation and auto coverage.
By Amy Beardsley|September 16, 2024
Eco-Friendly Homes: A Guide for Homeowners

Eco-Friendly Homes: A Guide for Homeowners

Eco-friendly homes have lower environmental impacts, which benefits homeowners in a few different ways.
By Daria Kelly Uhlig|September 16, 2024
How to Get Homeowners Insurance in Fire-Prone Areas

How to Get Homeowners Insurance in Fire-Prone Areas

Shop around with standard insurers, take steps to lower your property’s fire risk, and consider last-resort options like state FAIR Plans.
By Amy Beardsley|September 13, 2024
What Temperature to Set a Thermostat in Winter

What Temperature to Set a Thermostat in Winter

The optimal temperature for your house during the winter is 68 degrees Fahrenheit, according to the U.S. Department of Energy.
By Elizabeth Rivelli|September 12, 2024
California Insurers Approved to Pass Hefty FAIR Plan Loss Assessment Costs on to Policyholders

California Insurers Approved to Pass Hefty FAIR Plan Loss Assessment Costs on to Policyholders

Insurance commissioner says move would ensure solvency of state’s insurer of last resort for homeowners.
By Evelyn Pimplaskar|September 12, 2024
Allstate Gets OK for 34% Home Insurance Hike in California

Allstate Gets OK for 34% Home Insurance Hike in California

More than 350K homeowners could see steep premium increases in next 12 months.
By Evelyn Pimplaskar|September 12, 2024
California OKs 15% Rate Hike for Liberty Mutual Condo Policies

California OKs 15% Rate Hike for Liberty Mutual Condo Policies

Some policyholders may see increases as high as $1,200 per year.
By Evelyn Pimplaskar|September 12, 2024
How to Estimate Replacement Cost for Homeowners Insurance

How to Estimate Replacement Cost for Homeowners Insurance

Multiplying your home’s square footage by local per-square-foot construction costs is a good starting point for estimating the cost to rebuild your home.
By Jacqueline DeMarco|September 10, 2024
How to Prepare for a Winter Storm

How to Prepare for a Winter Storm

Prepare your home by weatherproofing, stocking your pantry, and making emergency kits.
By Catherine Collins|September 10, 2024
Do You Need Windstorm Insurance in Florida?

Do You Need Windstorm Insurance in Florida?

Most homeowners in Florida, especially those in coastal regions, need windstorm insurance.
By Alani Asis|September 10, 2024
New Disaster-Mapping Shows Where Communities Should Invest to Prevent Severe Weather Damage

New Disaster-Mapping Shows Where Communities Should Invest to Prevent Severe Weather Damage

The report recommends mandating that insurance companies incentivize weather risk mitigation.
By Julia Taliesin|September 10, 2024
What Does a Sump Pump Do?

What Does a Sump Pump Do?

A sump pump protects your home from heavy rainfall and flooding.
By Jamie Johnson|September 9, 2024