As weather disasters become more and more frequent, the home insurance system feels broken for Americans across the country. Now, the advocacy nonprofit Consumer Reports is trying to implement a " homeowners insurance bill of rights " to codify baseline protections across all 50 states. According to a survey from the group, homeowners have seen their insurance rates climb-like Sierra in North Carolina, whose insurance spiked 43% last year, with her provider citing the "increased regional weather risks" as well as Hurricane Helene's impact specifically.