<a href="http://www.nytimes.com/2007/11/23/business/23insure.html?partner=rssnyt&emc=rss"><img src="http://graphics8.nytimes.com/images/2007/11/23/business/23insure.75.jpg" border="0" height="75" width="75" hspace="4" align="left"></a>After years of taking losses on home insurance, insurers are increasingly making homeowners responsible for repairs and reconstruction. [More]