Homeowners across the country are struggling with the increasing cost of insurance, especially those in natural disaster-prone areas like the wildfire-ravaged West Coast and hurricane-hit East Coast. Individuals like Kaye Steinsapir face complex insurance processes with perplexing terms and slow responses as they try to rebuild their lives. Insurers are also feeling the pinch, navigating between escalating costs and limited policy options. Is a sustainable solution possible for both parties amid financial pressures and rising risks?