Even before the recent wildfires in California, soaring home insurance rates were pushing homeowners to go without. Now State Farm, the country’s largest home insurer, is asking for a 22% rate hike in California. That’s on top of a 30% increase request last summer. Increasing natural disasters, rising home values, and the high cost of rebuilding are putting insurance out of reach for more homeowners nationwide. Native Americans already have the highest uninsured rate for homeowners. We’ll discuss alternatives to a future without coverage for people’s biggest financial asset.