A recent rule change could cause a spike in insurance premium for homeowners across California, as the costs of the Los Angeles area wildfires are passed onto them in a way that was not allowed in the past.

Natural disasters, such as wildfires and coastal flooding, raise questions about what insurance will cover (and what it won’t).

Insurance companies are canceling homeowner policies across the U.S. — even in regions that aren't considered climate hot spots.

Los Angeles is experiencing a severe homeowners insurance crisis, with over 800,000 homes currently lacking coverage. While insurance companies are being criticized for the shortage of policies, the root cause may be a 1988 California law known as Proposition 103.