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Harvey Rosenfield says upcoming fire mitigation discounts are a good thing but there is a loophole that allows an insurance company to not renew your insurance policy if they don't want to give you a discount.

Harvey Rosenfield talks about the debate over how insurance markets should operate as a changing climate drives increasing risk and soaring costs.

Insurance companies all over the US are trying to raise rates, but in CA they have to go through a process that protects the public.

Harvey Rosenfield states that for the last 30 years, insurance companies have made four times the profit that they made nationally for selling homeowners coverage and thinks the insurance giants are trying to force state regulators to approve a rate hike.

Homeowners who clear brush and harden their homes against fire are 75% less likely to have their homes burnt down and in order to save our communities and insurance companies money, we need to mitigate risks.

Harvey Rosenfield, author of proposition 103, says the law mandates that insurers justify and get state approval for home and auto insurance rate increases as well as treat customers across the board fairly.

Mileage creep is when insurance companies base your premiums on more miles than you actually drive. Consumer Watchdog advocates urge every consumer to look at the policy every time they get mail from their insurance company because you never know what they are hiding.

Harvey Rosenfield says insurance companies are using climate change as an excuse to create an artificial crisis in the marketplace.

Harvey Rosenfield says Insurance Commissioner Ricardo Lara needs to step in and enforce the law.

Even without issuing new policies a farm and Allstate are asking the state's insurance commissioner for massive rate hikes, 28% for State Farm and 40% for Allstate.