Since 2021, monthly premiums for homeowner’s insurance in the United States have jumped 46%, according to Insurify. Home ownership is considered the core of the “American Dream,” yet owning a home is out of reach for a growing portion of the American population. Home insurance has become comparable to soaring gas, diesel, and grocery prices. To cut corners many families decide to take higher deductibles, a lower quality of coverage, or no coverage at all. One in seven homes no longer has any insurance, according to LendingTree. But for most families, to lose one’s home is to lose nearly everything. In North Carolina research shows that one-third of homeowners have been forced to postpone “life decisions,” due to spiking insurance rates. In Florida homeowner’s insurance has become a major issue in the election race for Governor.