Holiday travel can be a stressful time, and purchasing extra insurance isn’t always top of mind. Some have never used it.

Natural disasters across the country are impacting where people buy homes and how much money they spend to insure them.

Homeowners insurance costs will continue rising, growing by a total of 16% nationwide in the next 2 years, experts say.

U.S. states have set up insurers to provide protection in disaster-prone areas that private insurance has avoided. They are taking on more risks as calamities become widespread.