Was it House Of Afflictions? It's got the black and white and red all over color scheme. The crumbling house is there as well, along with the terrifying thing beneath. But no, I don't think this was it. I've never seen this cover before either.
No, not this one. It fulfills all the requirements, but once again, I've never seen it before.
Ah, there it is! Joss Whedon's The Cabin In The Woods! In addition to deconstructing the "Haunted Cabin" movie genre and turning it on its ear, it was also apparently very influential in the world of cover design. Everyone and their dog is aping this cover, hoping that some of Cabin's cache rubs off on their subpar direct to video dreck.