Homeowners Insurance Knowledge

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

Condo Earthquake Insurance: What to Know in 2025

Condo Earthquake Insurance: What to Know in 2025

States don’t require earthquake insurance, but it’s a good idea to buy it anyway — especially if you live in an area prone to seismic activity.
By Janet Berry-Johnson|September 9, 2024
Cost of Earthquake Insurance in 2025

Cost of Earthquake Insurance in 2025

The cost of earthquake insurance varies depending on your location, coverage, and home construction.
By Jamie Johnson|September 4, 2024
Does Homeowners Insurance Cover Home Improvements?

Does Homeowners Insurance Cover Home Improvements?

Homeowners insurance may cover home improvements if you’ve increased your coverage limits.
By Alani Asis|September 4, 2024
What Is DIC Insurance, and Who Needs It?

What Is DIC Insurance, and Who Needs It?

Difference in conditions coverage can give you extra protection against catastrophic events that standard homeowners insurance doesn’t cover.
By John Egan|September 4, 2024
Best Dog-Friendly Home Insurance Companies (2025)

Best Dog-Friendly Home Insurance Companies (2025)

Dog owners may have to search a bit harder to find home insurance. American Family, State Farm, and Nationwide are a few of the best dog-friendly insurers to consider.
By A.M. Steinbach|September 3, 2024
2.6 Million U.S. Homes Face Wildfire Risk, Report Finds

2.6 Million U.S. Homes Face Wildfire Risk, Report Finds

California, Colorado, and Texas have the most at-risk homes — but the report finds mitigation can greatly reduce losses.
By Julia Taliesin|September 3, 2024
Can You Cancel a Home Insurance Claim?

Can You Cancel a Home Insurance Claim?

Most insurance companies allow you to withdraw a home insurance claim. But even a canceled claim can affect your future premium.
By A.M. Steinbach|August 29, 2024
Will California’s Home Insurance Crisis Drive Up Costs for Renters Too?

Will California’s Home Insurance Crisis Drive Up Costs for Renters Too?

High home insurance rates could prompt landlords to pass costs on to tenants.
By Sara Getman|August 29, 2024
Best Co-op Insurance Companies (2025)

Best Co-op Insurance Companies (2025)

Amica Mutual, USAA, and American Family are a few of the top insurers to consider for co-op insurance.
By Aly J. Yale|August 27, 2024
Off-Grid Home Insurance: What You Need to Know

Off-Grid Home Insurance: What You Need to Know

You still need to protect your home even if you’re living off-grid. Here’s how to find off-grid home insurance.
By Jamie Johnson|August 26, 2024
State Farm Seeks 38% Rate Hike for California Renters Insurance

State Farm Seeks 38% Rate Hike for California Renters Insurance

Insurer also plans to shed 600+ renters policies in high-fire-risk areas.
By Evelyn Pimplaskar|August 26, 2024
Ask an Agent: Does Your Car or Home Insurance Premium Subsidize High-Risk States?

Ask an Agent: Does Your Car or Home Insurance Premium Subsidize High-Risk States?

Policyholders wonder why insurance is skyrocketing as federally regulated coverage becomes a topic of national debate. A licensed agent answered these complex insurance questions.
By Cassie Sheets|August 23, 2024
‘Everything Has Gone Up’: Retirees Feel Burdened by Inflation as Home Insurance Costs Surge

‘Everything Has Gone Up’: Retirees Feel Burdened by Inflation as Home Insurance Costs Surge

Popular retirement states may lose their luster as home insurance rates skyrocket. The average Florida premium costs more than one-third of the average retirement income.
By Cassie Sheets|August 22, 2024
Home Renovation Insurance: What Homeowners Need to Know

Home Renovation Insurance: What Homeowners Need to Know

Standard home insurance may not cover all renovation risks. Consider adding home renovation insurance to fill coverage gaps.
By Amy Beardsley|August 21, 2024
Can You Get Homeowners Insurance Without an Inspection?

Can You Get Homeowners Insurance Without an Inspection?

Though insurers don’t always require an inspection to buy home insurance, most companies will want to assess your home for potential risks.
By Julia Taliesin|August 20, 2024
Mobile Home Insurer Cancels Policies in Florida

Mobile Home Insurer Cancels Policies in Florida

Mobile homeowners may end up paying twice as much for a policy through the state’s insurer of last resort.
By Julia Taliesin|August 20, 2024
Hurricane Debby’s Uninsured Losses Could Top $9.7 Billion, Report Shows

Hurricane Debby’s Uninsured Losses Could Top $9.7 Billion, Report Shows

78% of damage occurred outside flood zones where borrowers with federally backed mortgages must buy flood insurance.
By Evelyn Pimplaskar|August 16, 2024
How to Buy Flood Insurance for Your Home

How to Buy Flood Insurance for Your Home

Property owners can buy flood insurance through the National Flood Insurance Program or private flood insurers.
By Julia Taliesin|August 15, 2024