Kiplinger

How to Get Property Insurance in High-Risk Areas

This story is being written as wildfires ravage parts of the West — my state, California, in particular — and hurricanes leave Southeastern cities resembling war zones.  My column has received dozens of emails and phone calls from readers in these areas, all facing the same nightmare:

“We have homeowners insurance for our home and commercial property insurance for my business, but my agent has just told me that I will either be forced to pay an astronomically high

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