MoneywiseSat, Jun 7, 2025, 2:35 PM 6 min readJon Kopaloff/Getty ImagesMoneywise and Yahoo Finance LLC may earn commission or revenue through links in the content below.There's passionate debate about how to solve America's ongoing housing crisis, much of which revolves around mortgage rates, zoning issues, immigration and construction. However, billionaire entrepreneur and investor Mark Cuban believes the biggest issue of all is being overlooked by the public.Thanks to Jeff Bezos, you can now become a landlord for as little as $100 — and no, you don't have to deal with tenants or fix freezers. Here's howBlackRock CEO Larry Fink has an important message for the next wave of American retirees — here's how he says you can best weather the US retirement crisisNervous about the stock market in 2025? Find out how you can access this $1B private real estate fund (with as little as $10)“Home insurance in areas hit by repetitive disasters is going to be the number one housing affordability issue over the next 4 years. And possibly going into the midterms. More so than interest rates,” he said in a post on Bluesky. “Florida, in particular, is going to have huge problems.”Home insurance rates have surged, driven primarily by two key factors: inflation and climate change.The cost of labor and building materials for homes has risen rapidly since the pandemic. Although the price of lumber has recovered, the National Association of Home Builders says things like drywall, concrete and steel mill products are still selling at elevated prices.For those with a replacement cost insurance policy, it can cost the insurer more to cover the cost of replacing your home without taking depreciation into account. The risk this presents will be reflected in your premium.While homes are more expensive to replace, they're also more prone to damage because of climate change.Severe floods, wildfires and hurricanes have become more frequent, which must be factored into the underwriting of property insurance. According to the Insurance Information Institute, “cumulative replacement costs related to homeowners insurance soared 55% between 2020 and 2022.”In fact, major insurers like Farmers and Progressive have either left states like Florida or limited their exposure to these disaster-prone regions. Mark Friedlander of the Insurance Information Institute said, “We have estimated up to 15% of Florida homeowners may not have property insurance, based on input from insurance agents across the state.”Homeowners and potential homebuyers should be aware of how risky it is to go without coverage and prepare for the cost of adequate protection.Terms and Privacy PolicyPrivacy & Cookie SettingsMore InfoS&P 5006,000.36 +61.06 (+1.03%)Dow 3042,762.87 +443.13 (+1.05%)Nasdaq19,529.95 +231.50 (+1.20%)Russell 20002,132.25 +34.89 (+1.66%)VIX16.77 -1.71 (-9.25%)Gold3,331.00 -44.10 (-1.31%)PortfolioSign in to access your portfolioSign inTop gainersRXRX Recursion Pharmaceuticals, Inc. 5.49 +0.92 (+20.13%)MANU Manchester United plc 16.41 +2.60 (+18.83%)QXO QXO, Inc. 19.00 +2.25 (+13.43%)QBTS D-Wave Quantum Inc. 18.62 +2.15 (+13.05%)LMND Lemonade, Inc. 39.88 +4.12 (+11.52%)Top losersLULU lululemon athletica inc. 265.27 -65.51 (-19.80%)DOCU DocuSign, Inc. 75.28 -17.62 (-18.97%)BRZE Braze, Inc. 29.73 -6.37 (-17.65%)ORLA Orla Mining Ltd. 11.11 -1.24 (-10.04%)ABM ABM Industries Incorporated 46.61 -4.65 (-9.07%)Most activeAPLD Applied Digital Corporation 13.86 +1.09 (+8.54%)TSLA Tesla, Inc. 295.14 +10.44 (+3.67%)NVDA NVIDIA Corporation 141.72 +1.73 (+1.24%)LCID Lucid Group, Inc. 2.1500 +0.0200 (+0.94%)F Ford Motor Company 10.26 +0.16 (+1.58%)Earnings eventsTrending tickersBTC-USD Bitcoin USD 105,691.29 +42.80 (+0.04%)XRP-USD XRP USD 2.27 +0.08 (+3.79%)STLA Stellantis N.V. 9.87 +0.19 (+1.96%)NFLX Netflix, Inc. 1,241.47 -9.05 (-0.72%)XRP-CAD XRP CAD 3.11 +0.11 (+3.79%)Top economic eventsPowered by Money.com - Yahoo may earn commission from the links above.