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.

Home insurance providers may deny you coverage or cancel your policy if you live in a region with widespread losses, you haven’t paid your policy, or you’ve filed too many claims.

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

Changes in California's Fair Access to Insurance Requirements (FAIR) plan could mean higher expenses for homeowners after fires.

California's home insurance market was rocky before the fires, but companies were committed to make a comeback. With thousands of claims expected to flood the system, homeowners can expect changes.

Eventually, the multiple fires in Los Angeles County will be contained. But the damage has been done, and the current estimated cost of $250 billion is likely to rise. Many would expect that insurance would cover the losses.