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.

With an average annual premium of $6,274, Louisiana homeowners have the highest true cost of home insurance at 10.78 percent of household income. Based on a median annual income of $77,719, the ...

Home insurance is getting less affordable, and less available, as insurers raise prices and pull back from areas with extreme weather. That's forcing families across the country to make tough choices.