Home insurance premiums are 52% higher than they were in 2020, and the average homeowner is now putting about a third of their monthly payment to taxes and insurance.

Premiums and claims for ski resorts and outdoor ice rinks — places that depend on cold weather to operate safely — have both gotten higher. Some insurers will no longer take chances on them.

Homeowners can speed up the process by paying for private debris removal, but that can cost tens of thousands of dollars.

Insurance companies have a surplus to help pay out claims, but that doesn’t mean an insurer will be available in your state.

“We’re never going to get to affordability if we don’t get insurers back into California. And the way we do that is by bringing down the risk,” said Ricardo Lara, the California Insurance Commissioner.

Claire Contreras, an elementary school teacher, reflects on the challenges of trying to find long-term places to stay after losing her home.

The fires in Los Angeles “could make this the costliest insured loss due to wildfires in history globally,” said Karen Collins with the American Property Casualty Insurance Association.

The system is already strained by climate-induced disasters, says Wharton’s Ben Keys. Homeowners across the state may bear some of the cost.

Plaintiff compensation for pain and suffering is climbing. Insurers question the basis for huge awards and say they have to charge higher rates.

We take a look at how Americans feel about health insurance and what causes those feelings to change.