Countless households across America are living without home insurance protection, largely due to dramatically rising premium costs in recent years. National Public Radio is now seeking personal stories from homeowners about the difficult insurance decisions they’re facing as costs continue to climb.<\/p>\n
The situation has become particularly urgent as recent disasters, like the January 2025 Eaton Fire that devastated parts of Altadena, California, highlight the risks of being unprotected. Aerial photographs show the stark contrast between cleared residential lots where homes were completely destroyed and neighboring properties that survived the blaze.<\/p>\n
Rising insurance premiums have forced many homeowners nationwide to make tough financial choices about their coverage levels or whether to maintain insurance at all. NPR is encouraging affected homeowners to share their experiences navigating these challenging decisions in today’s insurance market.<\/p>\n","protected":false},"excerpt":{"rendered":"
Countless American households are going without home insurance as premium costs have dramatically increased in recent years. National Public Radio is collecting personal accounts from homeowners about their insurance coverage choices amid rising costs.<\/p>\n","protected":false},"author":4,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":true,"jetpack_social_options":{"image_generator_settings":{"template":"highway","default_image_id":0,"font":"","enabled":false},"version":2}},"categories":[834],"tags":[],"class_list":["post-58532","post","type-post","status-publish","format-standard","hentry","category-business"],"jetpack_publicize_connections":[],"jetpack_featured_media_url":"","jetpack_shortlink":"https:\/\/wp.me\/pbtNqq-fe4","jetpack-related-posts":[{"id":34431,"url":"https:\/\/tvdelmarva.com\/wp\/delaware-officials-property-value-changes-wont-raise-insurance-rates\/","url_meta":{"origin":58532,"position":0},"title":"Delaware Officials: Property Value Changes Won’t Raise Insurance Rates","author":"Admin","date":"March 10, 2026","format":false,"excerpt":"Delaware insurance regulators are addressing homeowner concerns about rising premiums linked to property reassessments. 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For the fourth time in five years, extreme weather still resulted in over $100 billion in annual losses, making insurance companies hesitant to reduce rates.","rel":"","context":"In "Business"","block_context":{"text":"Business","link":"https:\/\/tvdelmarva.com\/wp\/category\/business\/"},"img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]},{"id":58529,"url":"https:\/\/tvdelmarva.com\/wp\/state-farm-faces-legal-action-over-alleged-hail-damage-claim-reductions\/","url_meta":{"origin":58532,"position":2},"title":"State Farm Faces Legal Action Over Alleged Hail Damage Claim Reductions","author":"Admin","date":"April 28, 2026","format":false,"excerpt":"Multiple lawsuits claim State Farm Insurance is deliberately reducing payouts for hail damage claims. The legal challenges come as homeowners nationwide struggle with rising insurance premiums linked to climate-related weather threats.","rel":"","context":"In "Business"","block_context":{"text":"Business","link":"https:\/\/tvdelmarva.com\/wp\/category\/business\/"},"img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]},{"id":63995,"url":"https:\/\/tvdelmarva.com\/wp\/florida-insurance-company-files-for-ipo-after-nearly-doubling-revenue\/","url_meta":{"origin":58532,"position":3},"title":"Florida Insurance Company Files for IPO After Nearly Doubling Revenue","author":"Admin","date":"May 8, 2026","format":false,"excerpt":"Tampa-based Safepoint Insurance has submitted paperwork to go public, reporting revenue that nearly doubled last year to $516.3 million. 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Average monthly premiums jumped $65 while deductibles increased by over $1,000, forcing many to choose between coverage and affordability.","rel":"","context":"In "Health"","block_context":{"text":"Health","link":"https:\/\/tvdelmarva.com\/wp\/category\/health\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/tvdelmarva.com\/wp\/wp-content\/uploads\/2026\/05\/news-1779207776646.jpg?fit=1000%2C666&ssl=1&resize=350%2C200","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/tvdelmarva.com\/wp\/wp-content\/uploads\/2026\/05\/news-1779207776646.jpg?fit=1000%2C666&ssl=1&resize=350%2C200 1x, https:\/\/i0.wp.com\/tvdelmarva.com\/wp\/wp-content\/uploads\/2026\/05\/news-1779207776646.jpg?fit=1000%2C666&ssl=1&resize=525%2C300 1.5x, https:\/\/i0.wp.com\/tvdelmarva.com\/wp\/wp-content\/uploads\/2026\/05\/news-1779207776646.jpg?fit=1000%2C666&ssl=1&resize=700%2C400 2x"},"classes":[]},{"id":39527,"url":"https:\/\/tvdelmarva.com\/wp\/health-insurance-costs-force-many-to-skip-medicine-cut-basic-needs\/","url_meta":{"origin":58532,"position":5},"title":"Health Insurance Costs Force Many to Skip Medicine, Cut Basic Needs","author":"Admin","date":"March 19, 2026","format":false,"excerpt":"A new survey reveals that 4 out of 5 Americans with Affordable Care Act insurance face higher healthcare costs this year, with many cutting back on food and necessities to afford medical care. 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