Lara’s plan enacts an insurance industry wishlist to reduce scrutiny of rates, make homeowners across the state bail out insurers for potential billions in FAIR Plan losses, and charge consumers for the cost of insurance that insurers buy in the global, unregulated reinsurance market.

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

In the wake of the Los Angeles-area wildfires, some U.S. residents seek safety from climate-related calamities.