This aerial view shows residential lots cleared after homes were destroyed in the January 2025 Eaton Fire beside homes that are still standing in Altadena, Calif.

Millions of home in the U.S. are uninsured, partly because insurance costs have soared in recent years. NPR wants to hear about the coverage decisions you’re making as premiums rise.

(Image credit: ROBYN BECK/AFP via Getty Images)

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