A staggering increase in uninsured American homeowners, now at 12%, has been attributed to a sharp rise in insurance costs. The story of Anjali Tierra, a retired teacher from California, highlights the struggles faced by many as premiums have more than tripled for some. Industry experts warn against going without insurance, emphasizing the risks of significant financial loss in the event of a disaster. Factors like inflation, supply chain disruptions, and climate change are driving up insurance costs across the country. For many low-income and minority homeowners, the burden of rising premiums is particularly heavy. The story of James Mercadal in New Orleans exemplifies the challenges faced by those unable to afford insurance or repairs. As the crisis continues to impact homeowners nationwide, finding affordable coverage remains a growing concern.