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).

The devastating wildfires burning in Southern California could have financial ramifications for residents across the state.

The Los Angeles fires have cast uncertainty over when the insurance crisis buffeting the entire state will ease, California Insurance Commissioner Ricardo Lara told the Chronicle during an interview Saturday in Santa Monica,

California Insurance Commissioner Ricardo Lara discusses the complex insurance system as homeowners look to rebuild after LA's fires.