More and more Americans are ditching their home insurance due to rising costs for coverage. According to a recent study from the Insurance Information Institute, 12% of Americans no longer have home insurance. That's the highest level of uninsured homeowners the research group has ever seen. This year's figure is up from 5% in 2019. Higher premiums are hurting households who are already struggling to pay for other necessities. Around 40% of Americans own their home outright, according to the U.S. Census Bureau. Homeowners insurance may be viewed to some as an optional purchase. Ron Fights for the rights of property owners. He's the CEO of National Claims Negotiators, a public adjusting firm based out of Dallas/Ft Worth with licenses throughout the country