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.