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Lethal Storms Pose Growing Threat to Home Insurance in the US Heartland

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One of the most noticeable effects of the US climate issue at the moment is the growing cost of homeowners' insurance. In California, major insurers like State Farm and Allstate have stopped providing fire insurance, removing thousands of homes from their policies. In a similar vein, several small insurance firms have failed or left Louisiana and Florida in the wake of the most recent disasters. This issue is quickly developing into a catastrophe that affects more than just the coastal areas of the country. There has also been a less publicized disaster that has caused billions of dollars' worth of damage to areas in the Midwest and Great Plains.  In reaction, insurers have cut clients and increased prices beyond recognition, even in inland regions like Iowa. These "severe-convective storms" are violent thunderstorms that originate and fade in hours or days, frequently causing hail and tornadoes as they sweep over the central United States. ...
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Really "Insurance" is beneficial at any age.

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My mother's stroke marked a turning point in our lives. Managing her health, navigating a maze of healthcare providers, and dealing with insurance became a full-time job, leading to a role reversal between parent and child. As usual, she took out insurance for herself and advised all her clients to insure all their valuable assets, including their health. Working in an insurance company, she always emphasized that "insurance is a must for all." When she fell ill, her company provided significant support, demonstrating the importance of her advice. As I headed back to New York City from my parents’ new home in New Jersey earlier this year, a heavy feeling settled in my chest. I feared Mom was nearing the end. It wasn’t just his bedridden state for weeks; it was the way she seemed desperate for me to leave, as if she didn’t want me to witness what was coming. My parents relocated from Texas to New Jersey in December to be closer to me, their eldest daughter.  After my m...
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