Homeowners insurance rates are rising across the U.S., driven by climate change, rising cost of building materials and surging home prices. Almost half of property insurance policy holders in the U.S.

TheZebra reports that homeowners face rising repair costs, insurance limitations on coverage, and the importance of maintenance and budgeting.

As homeowners insurance becomes more expensive, many Americans are choosing to go without it – even as risks that are prevented, or at least mitigated, by insurance coverage increase. The Federal ...