This aerial view shows residential lots cleared after homes were destroyed in the January 2025 Eaton Fire beside homes that are still standing in Altadena, Calif. — ROBYN BECK/AFP via Getty Images/AFP
Even as homeowners face more extreme weather — including recent wildfires, floods and tornadoes — millions are foregoing home insurance, often because premiums have soared. When homeowners lack adequate coverage, families and entire communities face profound financial risk when disasters strike.
NPR wants to hear about your experiences with home insurance companies and the choices you’re making about coverage as costs rise.
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