Lifehacker: “While Los Angeles County continues to battle devastating wildfires, you may be wondering about the safety of your own home. More specifically, how are you covered when the unthinkable happens? Unfortunately, insurance doesn’t function like a gas or electric company; even in the face of disaster, insurers aren’t obligated to service your home. And while homeowners insurance isn’t legally mandated, choosing to forgo protection in an attempt to save money could prove to be one of the most expensive decisions a homeowner can make. Homeowners insurance is a crucial financial protection for your home and belongings, but many homeowners don’t fully understand their coverage. Let’s take a look at how exactly homeowners insurance works so that you can make informed decisions about your coverage…”