Homeowners Insurance Knowledge

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

Does Home Insurance Cover Mold?

Does Home Insurance Cover Mold?

Basic homeowners insurance plans cover some causes of mold, but you may need a separate endorsement to cover other causes.
By Nick Dauk|May 6, 2024
6.1M American Homeowners Are Without Home Insurance, Report Finds

6.1M American Homeowners Are Without Home Insurance, Report Finds

Lower-income, minority, rural, and those who inherited their homes are most likely to be uninsured.
By Evelyn Pimplaskar|May 6, 2024
High Insurance Rates Driving Homeowners Out of Florida and California

High Insurance Rates Driving Homeowners Out of Florida and California

Rising costs take a financial and emotional toll, pair of surveys finds.
By Evelyn Pimplaskar|May 6, 2024
Attractive Nuisance: What It Is and Why You Should Care

Attractive Nuisance: What It Is and Why You Should Care

Features on your property that entice children, like a trampoline or swimming pool, are attractive nuisances that can lead to a lawsuit if someone gets injured while using them.
By Kevin Payne|May 3, 2024
How Much Does a New HVAC System Cost?

How Much Does a New HVAC System Cost?

Replacing your HVAC system can cost several thousand dollars, but you may be able to save money through rebates and tax credits.
By A.M. Steinbach|May 3, 2024
What Is a CLUE Report for Home Insurance?

What Is a CLUE Report for Home Insurance?

Your home’s CLUE report shows a comprehensive overview of the property’s home insurance claims.
By Aly J. Yale|May 1, 2024
Louisiana’s Flood Losses Skyrocket as Insurance Participation Dwindles

Louisiana’s Flood Losses Skyrocket as Insurance Participation Dwindles

NFIP nearly matched 2023 payouts in Q1 of this year.
By Chris Schafer|May 1, 2024
‘Hurricane Season from Hell’ Could Drive Up Home Insurance Costs on Vulnerable U.S. Coastline

‘Hurricane Season from Hell’ Could Drive Up Home Insurance Costs on Vulnerable U.S. Coastline

Experts predict a severe 2024 hurricane season, but outdated building codes leave homeowners vulnerable to weather-related damages and skyrocketing insurance rates.
By Cassie Sheets|April 30, 2024
Fewer Californians Buying Flood Insurance Despite Record-Breaking Year

Fewer Californians Buying Flood Insurance Despite Record-Breaking Year

California federal flood claims topped $59M in 2023.
By Evelyn Pimplaskar|April 29, 2024
Florida Snagged Two-Thirds of National Flood Insurance Payouts in 2023

Florida Snagged Two-Thirds of National Flood Insurance Payouts in 2023

FEMA paid more than $629 million to Florida homeowners last year.
By Julia Taliesin|April 24, 2024
The Most and Least Climate-Resilient Cities for Homeowners

The Most and Least Climate-Resilient Cities for Homeowners

Home insurance rates are skyrocketing due to increasingly severe weather. Insurify analyzed 100 metro areas to find the best and worst cities to avoid the damaging effects of climate change.
By Cassie Sheets|April 16, 2024
Flood Payouts to Rhode Island Homeowners Were 417 Times Higher in 2023

Flood Payouts to Rhode Island Homeowners Were 417 Times Higher in 2023

FEMA payouts rose to $4.6 million in Rhode Island last year.
By Sara Getman|April 3, 2024
Connecticut Regulators Rap Insurers for Dropping Home Policies Over Roof Stains

Connecticut Regulators Rap Insurers for Dropping Home Policies Over Roof Stains

Companies non-renewed policies for streaking and discoloration
By Evelyn Pimplaskar|April 3, 2024
Is Asbestos Removal Covered by Insurance? (2025)

Is Asbestos Removal Covered by Insurance? (2025)

Home insurance doesn’t typically cover asbestos issues, so you’ll likely need to pay out of pocket for asbestos removal.
By Sarah Archambault|March 28, 2024
What Is Catastrophe Insurance?

What Is Catastrophe Insurance?

Catastrophe insurance protects your home from severe disasters that inflict major financial losses.
By Alani Asis|March 28, 2024
State Farm to Drop 72,000 Home, Landlord Policies in California

State Farm to Drop 72,000 Home, Landlord Policies in California

Says move is to ensure ‘long-term sustainability in California.’
By Evelyn Pimplaskar|March 25, 2024
Sand Dune Disaster: $500K Washed Away in Massachusetts

Sand Dune Disaster: $500K Washed Away in Massachusetts

Storms destroyed sand dune mitigation efforts in just 72 hours.
By Sara Getman|March 25, 2024
What Is Replacement Cost Coverage in Home Insurance?

What Is Replacement Cost Coverage in Home Insurance?

Replacement cost coverage reimburses you for the cost of rebuilding your home or replacing personal items without adjusting for depreciation.
By Elizabeth Rivelli|March 21, 2024