Homeowners Insurance Knowledge

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

Tiny Home Insurance: What to Know

Tiny Home Insurance: What to Know

Proper Insurance, Progressive, and American Modern are a few of the best options for tiny home insurance.
By Jess Ullrich|July 24, 2024
HOA Insurance: How It Works and What It Covers

HOA Insurance: How It Works and What It Covers

HOA insurance covers common areas owned by a homeowners association, but it doesn’t offer much protection to the owners’ residences.
By Daria Kelly Uhlig|July 23, 2024
How to Save on Home Insurance With a Security System

How to Save on Home Insurance With a Security System

Most home insurance companies offer discounts for having a security system. Homeowners who install them can save up to 20%, but discounts vary by insurer.
By Janet Berry-Johnson|July 22, 2024
How Much Does a Heat Pump Cost in 2025?

How Much Does a Heat Pump Cost in 2025?

Heat pumps typically have a higher price tag than some traditional heating and cooling systems, but installing this energy-efficient alternative can save you hundreds or thousands of dollars on your energy bill.
By Jessica Martel|July 22, 2024
Washington To Elect First New State Insurance Commissioner in Over 20 Years

Washington To Elect First New State Insurance Commissioner in Over 20 Years

After 24 years as Washington’s insurance commissioner, Mike Kriedler isn’t seeking re-election.
By Katie Powers|July 18, 2024
As Hurricane Season Hits, More Homeowners Pushed to Florida’s Last-Resort Insurer

As Hurricane Season Hits, More Homeowners Pushed to Florida’s Last-Resort Insurer

Citizens Property Insurance’s policy count rose about 1.7% since June 1, bucking state’s efforts to cull high-risk homes from insurer of last resort’s rolls.
By Sara Getman|July 18, 2024
Preparation Pays Off: Investing in Climate Resilience Helps the Economy, Report Shows

Preparation Pays Off: Investing in Climate Resilience Helps the Economy, Report Shows

Every $1 investment in climate resilience saves $13 in economic costs, U.S. Chamber of Commerce says.
By Julia Taliesin|July 18, 2024
What’s an Act of God in Homeowners Insurance?

What’s an Act of God in Homeowners Insurance?

Acts of God are natural disasters beyond your control. But you may be able to secure insurance coverage to protect your property.
By Jacqueline DeMarco|July 17, 2024
What Is Sinkhole Insurance and Who Needs It?

What Is Sinkhole Insurance and Who Needs It?

You may need sinkhole insurance if you live in at-risk states like Alabama, Florida, Kentucky, Missouri, Pennsylvania, Tennessee, and Texas.
By Miranda Marquit |July 15, 2024
Does Home Insurance Cover Jewelry?

Does Home Insurance Cover Jewelry?

Home insurance usually includes jewelry coverage — but only up to a certain amount. You might need an extra policy to protect high-value pieces.
By Taylor Milam-Samuel |July 12, 2024
Replacement Cost vs. Market Value: What’s the Difference?

Replacement Cost vs. Market Value: What’s the Difference?

Replacement cost is the cost of rebuilding your home or replacing damaged property based on current prices. Market value is the amount of money your home would sell for in the current market.
By Daria Kelly Uhlig|July 12, 2024
Does Homeowners Insurance Cover HVAC Systems?

Does Homeowners Insurance Cover HVAC Systems?

Most standard home insurance policies protect damage to HVAC systems stemming from a covered event, like a fire or windstorm.
By Miranda Marquit |July 11, 2024
How to Get Home Insurance to Pay for Water Damage

How to Get Home Insurance to Pay for Water Damage

Standard home insurance policies typically cover sudden water damage from inside your home, but it’s important to understand the limits of your protection.
By Michelle Lambright Black|July 10, 2024
Pool Safety Tips Every Homeowner Should Know

Pool Safety Tips Every Homeowner Should Know

Stay safe this summer by knowing important pool safety tips and carrying the right amount of pool insurance coverage.
By Alani Asis|July 8, 2024
Is an HO-8 Policy Right for Your Home?

Is an HO-8 Policy Right for Your Home?

An HO-8 policy may make sense if you own an older home, but this type of policy has drawbacks you need to consider.
By Anna Baluch|July 3, 2024
Senate Lawmakers Butt Heads Over Cause of Home Insurance Crises

Senate Lawmakers Butt Heads Over Cause of Home Insurance Crises

Budget committee splits along party lines whether climate change or inflation is cause of skyrocketing rates.
By Julia Taliesin|July 3, 2024
California’s Largest Home Insurer Seeks Dramatic Rate Increase

California’s Largest Home Insurer Seeks Dramatic Rate Increase

State Farm’s proposal would raise home insurance rates by 30%, impacting more than 1 million policyholders.
By Chris Schafer|July 3, 2024
What Is an Elevation Certificate and How Does It Affect Flood Insurance?

What Is an Elevation Certificate and How Does It Affect Flood Insurance?

An elevation certificate is an official document that gauges flood risk and helps determine rates for flood insurance.
By Anna Baluch|July 2, 2024