The Brief A new insurance industry report highlights cost as a big challenge homeowners face this hurricane season. A new insurance industry report from Guardian Service highlights one of the biggest challenges homeowners face ahead of the height of hurricane season. Thirty percent of homeowners say costs are keeping them from preparing for hurricane season. On the front page of your homeowner’s insurance policy, there’s a section that shows your Coverage A amount. Why you should care:Another top recommendation is flood insurance, even if you're not in a designated flood zone.