Rising insurance costs and under-insurance are creating significant financial challenges for homeowners across the U.S., particularly in states prone to natural disasters like Florida, Louisiana, and Texas. U.S. Rep. Jared Moskowitz has proposed a national catastrophic insurance fund to distribute disaster-related costs at a national level, but the bill faces stiff competition in Congress. High insurance premiums are also making it difficult for potential homebuyers, especially millennials, to afford homes, exacerbating the housing crisis. In Louisiana, a high percentage of homeowners are uninsured, severely impacting their ability to recover from disasters. Meanwhile, a survey in India reveals a focus on family financial security over immediate financial goals like home buying, with many regretting not starting their financial planning earlier.