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.

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.

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.