Neighbor’s car moved in another’s front yard. Photo by Chris Stone As a homeowner, you invest a great deal of time, money, love, imagination, and hard work into your house and property. Of course, you hope nothing will go seriously wrong. Still, you purchase homeowner’s insurance to give you peace of mind and to ensure you’re financially protected if your home and belongings are damaged by unpredictable events such as fire, vandalism, theft, or storms. Today, climate change is causing increasingly erratic weather patterns. Natural disasters, including severe storms and wildfires, are becoming more frequent and devastating. In 2023, nine “atmospheric rivers” pummeled the we
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