Amy Beardsley

Who has the best condo insurance?
The best condo insurance depends on where you live and the type of condo you own. No single policy can check all the boxes. Typically, coverage includes protection for your unit and personal belongings. Compare companies and weigh the pros and cons to get the best condo insurance for your situation.
Condominium insurance and home insurance policies offer similar protections. Both policy types cover damage and destruction from fire, lightning, hail, theft, van...

Is hazard insurance required in Florida?
Hazard insurance in Florida isn’t required by law, but many mortgage lenders insist you have hazard coverage before closing on a home loan. A policy can protect your home from fire, theft, and bad storms. Keep in mind that the policy type and coverage you need can vary by property and location.
Florida is known for its white-sand beaches and endless blue sky. The Sunshine State also has its fair share of natural hazards. Floods, hurricanes, severe stor...

Texas is known for cowboy boots, country music, and a vibrant arts scene. It’s the second-largest state in the U.S. but ranks third in storm surge risk thanks to its location along the Gulf of Mexico.
Hurricanes and tropical storms are common natural disasters in Texas. Coastal towns along the shorelines suffer the most damage. However, flooding and high winds can also make their way inland. No matter where you are in the Lone Star State, you could get hit with hurricane damage.
Do you have p...

Flood Insurance in Massachusetts is an important aspect of homeowners insurance.
Here's our guide to the cost of coverage, how it works, and what you can expect.
From the incredible summers and active sports culture to world-famous seafood, there’s a lot to love about Massachusetts. But homeowners in the Bay State must be aware of and plan for flooding.
One of the most common natural disasters in the U.S. is flooding, and Massachusetts is no exception. Massachusetts flood insurance can protec...

Commonwealth Casualty could be your future home insurance company.
Every homeowner has unique needs when it comes to their insurance policy. Insurify can help you decide if this is the right insurance company for you.
Protecting your home protects both you and your family members. And Commonwealth Casualty is a comprehensive option for homeowners insurance. The company primarily serves customers in Arizona. Based in Phoenix, Commonwealth was founded in 2010 with a goal to make insurance affor...

Is earthquake insurance worth it in Utah?
Depending on the risk-level of your area, having earthquake insurance can save you big financially in the long run. It's always worth getting a quote.
Earthquakes can cause extreme amounts of damage. But did you know standard homeowners insurance policies don’t cover that damage?

Why is the insurance claim check also made payable to the lender?

Insurance companies may release a claim check made out to the policyholder and the lender because the lender has a financial interest in the property and needs to make sure the property is restored to its original value.

When you buy a home, your lender typically requires you to buy a homeowners insurance policy. That’s because they have a financial interest in the property and need to protect the value of the home.