Homeowners Insurance Knowledge

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

Florida Insurance Crisis: Why Rates Are High, and What You Can Do

Florida Insurance Crisis: Why Rates Are High, and What You Can Do

Explore the roots of Florida’s home insurance crisis, from hurricanes and lawsuits to market reforms. Learn how to protect your property and wallet.
By Carley Clark|October 20, 2025
Florida Hurricane Deductible: A Complete Guide for Homeowners

Florida Hurricane Deductible: A Complete Guide for Homeowners

Hurricane deductibles in Florida take precedence over your regular deductible until the hurricane has subsided.
By Danny Smith|October 17, 2025
What State Farm Home Systems Protection Covers

What State Farm Home Systems Protection Covers

State Farm’s home systems protection is an add-on coverage to your home insurance policy that covers accidental electrical and mechanical breakdowns of your appliances.
By Jacklyn Walters|October 17, 2025
How Long Can a Mortgage Company Hold an Insurance Check?

How Long Can a Mortgage Company Hold an Insurance Check?

Your mortgage company can hold your insurance check until the repairs are complete, but they have to release funds within a certain time.
By Jamie Johnson|October 17, 2025
What Your Home’s Protection Class Is and How to Find It

What Your Home’s Protection Class Is and How to Find It

Your home’s protection class is a grade that Insurance Services Office, Inc. (ISO) gives to homes based on their proximity to fire protection services in a community.
By Choncé Maddox|October 17, 2025
How Much Is Homeowners Insurance on a $200,000 House?

How Much Is Homeowners Insurance on a $200,000 House?

The cost to rebuild your home after a major claim is only one factor affecting the cost of insuring your house.
By Janet Berry-Johnson|October 17, 2025
How Much Is Homeowners Insurance on a $150,000 House? (2025)

How Much Is Homeowners Insurance on a $150,000 House? (2025)

The average annual cost of homeowners insurance for a $150,000 home is $1,511.
By Amy Beardsley|October 17, 2025
Frontline Home Insurance Review: Ratings and Quotes (2025)

Frontline Home Insurance Review: Ratings and Quotes (2025)

Frontline sells home insurance in five storm-prone states.
By Sarah Sharkey|October 17, 2025
Chubb Home Insurance Review: Ratings and Quotes (2025)

Chubb Home Insurance Review: Ratings and Quotes (2025)

Don’t let Chubb’s luxury reputation fool you — the company protects homes of all sizes with comprehensive coverage and surprisingly competitive rates.
By Amy Beardsley|October 17, 2025
How to Get Anonymous Home Insurance Quotes Online (2025)

How to Get Anonymous Home Insurance Quotes Online (2025)

It’s difficult to get accurate insurance quotes without giving some personal information, but you have ways to minimize your risk of spam.
By Jamie Johnson|October 17, 2025
Cheapest Homeowners Insurance for Seniors (2025)

Cheapest Homeowners Insurance for Seniors (2025)

Your age won’t affect your home insurance rate, but several other factors will.
By Jess Ullrich|October 17, 2025
Compare Home Insurance Quotes Online in Minutes

Compare Home Insurance Quotes Online in Minutes

Compare home insurance quotes side by side to find the cheapest rate for coverage that’ll protect your home and personal belongings.
By Daria Kelly Uhlig|October 17, 2025
Florida Property Tax Exemptions and Discounts

Florida Property Tax Exemptions and Discounts

Sunshine State homeowners can save up to $50,000 in property taxes with Florida’s homestead exemption.
By Aly J. Yale|October 16, 2025
High-Value Home Insurance (2025)

High-Value Home Insurance (2025)

Chubb and Westfield offer some of the best home insurance coverage for homes worth more than $750,000.
By Nick Dauk|October 15, 2025
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|October 15, 2025
5 Best Home Insurance Companies (2025)

5 Best Home Insurance Companies (2025)

State Farm and American Family are two of the best home insurance companies.
By Julia Taliesin|October 14, 2025
Cheapest Home Insurance Quotes (2025)

Cheapest Home Insurance Quotes (2025)

Metropolitan, American Family, and Cincinnati Insurance are the cheapest national home insurance companies.
By Danny Smith|October 14, 2025
Water Damage Statistics: Exploring Costs and Insurance Claims

Water Damage Statistics: Exploring Costs and Insurance Claims

Flood damage costs the U.S. billions of dollars annually, with Florida and Louisiana leading with the highest single-family dwelling losses in 2024.
By Jennifer Connolly|October 8, 2025