Soaring costs for home insurance and property taxes are busting homeowners’ budgets. Insurers have pushed [big rate increases](https://www.wsj.com/finance/regulation/home-insurance-premiums-surge-states-approve-8656877d?mod=article_inline?mod=realtor) because of losses from natural disasters and rising costs to repair homes. Surging home values in recent years, meanwhile, have lifted[ property taxes](https://www.wsj.com/real-estate/property-taxes-ballot-measures-election-1ea01b1b?mod=article_inline?mod=realtor) for many homeowners. These ballooning expenses are rewriting the math of homeownership. In September
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