How climate change is reshaping home insurance in California and the rest of the U.S.

The wildfires in Los Angeles could become some of the costliest in U.S. history, with initial estimates placing total losses between $250 billion to $275 billion.

Insurance experts assert that climate change is fundamentally altering the dynamics of home insurance across the U.S. as severe weather events become more frequent.

In California, the spiraling home insurance rates reflect not only the immediate costs of disasters but also the higher expenses related to construction materials and climate adaptation.

Experts warn California is facing an unprecedented insurance crisis as natural disasters increasingly correlate with rising insurance premiums and changing homeowner expectations.

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