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.

A Los Angeles Times report on three of the largest home insurance companies in California and found that affiliates of Farmers Insurance, based in Los Angeles, denied approximately 50 percent of its claims, according to the survey.

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

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.

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

Many insurance companies have stopped issuing new policies to homeowners in other vulnerable states, including Louisiana and Florida. The wildfires that have devastated large parts of Los Angeles County have drawn fresh attention to the struggles many Americans face insuring their homes.

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.