The storm front that brought pummeling rain to Northern California and high waves to Southern California beaches should serve as a warning to homeowners to prepare their homes for a wet winter. With E1 Niño conditions prompting predictions of a stormy West Coast winter, both your home and your homeowner’s insurance may need a checkup.

With high winds slamming parts of California this week, homeowners may wonder whether they are financially protected from flying debris and falling trees.

Insurance adjusters are on their way to the site of a house explosion that ravaged a Torrance neighborhood this morning. Dozens of homes have been damaged or destroyed, providing a solemn reminder that a disaster can happen at any moment. 

When the homeowner’s away, the burglars will play -- and vacationers should be especially careful during summer months to protect their belongings from would-be thieves. 

Rising household water damage claims have cost California insurers billions of dollars and are constricting the homeowners insurance market.