Homeowners Insurance Knowledge

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

What Is Force-Placed Insurance on a Home?

What Is Force-Placed Insurance on a Home?

If your home insurance lapses and you don’t find a replacement policy, your lender will take out force-placed insurance.
By Jamie Johnson|August 15, 2024
Progressive halts new home insurance policies in Texas and some Midwestern states

Progressive halts new home insurance policies in Texas and some Midwestern states

Insurer aims to mitigate losses from severe weather threats.
By Katie Powers|August 15, 2024
Hurricane Beryl Already Increasing Insurance Costs for Texans

Hurricane Beryl Already Increasing Insurance Costs for Texans

The storm could wipe out catastrophic reserves of state’s windstorm insurer.
By Julia Taliesin|August 15, 2024
Do You Need Flood Insurance?

Do You Need Flood Insurance?

You might need flood insurance depending on where you live and what type of mortgage you have. And flood insurance could make sense even if you don’t meet specific risk criteria.
By Lindsay VanSomeren|August 14, 2024
Best Homeowners Insurance for Veterans and Military Members (2025)

Best Homeowners Insurance for Veterans and Military Members (2025)

With low rates, a robust menu of optional coverages, and a number of available discounts, Armed Forces Insurance is the best overall home insurance option for veterans and military members.
By Emily Guy Birken|August 14, 2024
Gen Z Grasps at the American Dream of Homeownership but Struggles With Nihilistic Spending

Gen Z Grasps at the American Dream of Homeownership but Struggles With Nihilistic Spending

Gen Z is clawing toward stability and homeownership through sheer grit and a new twist on ’90s-style financial advice. But first, they’ll need to curb some doom spending.
By Cassie Sheets|August 12, 2024
Best Insurance for Vacation Homes (2025)

Best Insurance for Vacation Homes (2025)

Vacation home insurance tends to cost more and work a bit differently than primary home insurance. Farmers and Progressive offer some of the best vacation home coverage.
By Jessica Martel|August 8, 2024
Lightning Sparked $1.2 Billion in U.S. Home Insurance Claim Payouts in 2023

Lightning Sparked $1.2 Billion in U.S. Home Insurance Claim Payouts in 2023

Florida had the most claims, but Texas payouts were most expensive.
By Julia Taliesin|August 8, 2024
How Long Does It Take to Get Homeowners Insurance?

How Long Does It Take to Get Homeowners Insurance?

It can take between five minutes to a few days to secure home insurance coverage.
By Anna Baluch|August 6, 2024
How Much Does an Umbrella Policy Cost? (2025)

How Much Does an Umbrella Policy Cost? (2025)

For a policyholder with one home, two cars, and two drivers, the average annual cost of a $1 million umbrella policy is $383.
By Sarah Sharkey|August 2, 2024
What Is Umbrella Home Insurance?

What Is Umbrella Home Insurance?

Umbrella insurance offers extra liability protection when you exceed your policy limits.
By A.M. Steinbach|August 2, 2024
How to Get Homeowners Insurance After Non-Renewal

How to Get Homeowners Insurance After Non-Renewal

You can find new homeowners insurance after non-renewal by shopping around or working with an insurance broker.
By Jamie Johnson|August 1, 2024
Homeowners Insurance vs. Mortgage Insurance: What’s the Difference?

Homeowners Insurance vs. Mortgage Insurance: What’s the Difference?

Homeowners insurance protects your house — and your pocketbook — against damages. Mortgage insurance protects your mortgage lender.
By Joe Dyton|July 31, 2024
Florida Counties Retain Federal Flood Insurance Discounts — For Now

Florida Counties Retain Federal Flood Insurance Discounts — For Now

Communities receive discounts for taking flood mitigation measures.
By Sara Getman|July 31, 2024
Change of Address Checklist: What to Do and Who to Notify

Change of Address Checklist: What to Do and Who to Notify

After moving, you’ll need to update your home address in many different places.
By Elizabeth Rivelli|July 29, 2024
The Hidden Cost of Insurance: Reinsurance Is Elevating Coverage Rates for Americans Everywhere

The Hidden Cost of Insurance: Reinsurance Is Elevating Coverage Rates for Americans Everywhere

‘Insurance for insurer’ rates are rising and those costs are being passed on to policyholders.
By Julia Taliesin|July 26, 2024
Best Condo Insurance in Florida (2025)

Best Condo Insurance in Florida (2025)

Despite the number of insurers that have ceased operations altogether or left Florida, it’s still possible to get quality condo insurance from insurers like Allstate, Progressive, State Farm, and more.
By Daria Kelly Uhlig|July 25, 2024
Project 2025 Aims to End 56-Year-Old National Flood Insurance Program

Project 2025 Aims to End 56-Year-Old National Flood Insurance Program

The nearly 5 million existing NFIP policyholders would likely face higher flood insurance premiums or choose to opt out of coverage if the NFIP ends.
By Katie Powers|July 25, 2024