The questions surrounding terrorism insurance are complicated and, in some cases, still not completely clear.

The 5.4% proposed reduction in 2020 rates is based on claims-experience data as of year-end 2018.

Vehicle owners in these states should heed this advice: "Discuss your insurance needs openly with your agent, broker, or insurance company. They can help you."

The utility giant is considering another outage to keep its power lines from igniting catastrophic wildfires.