California E&S Insurance

There is no reason to expect wildfires to become less of a problem, so there is no reason to expect more insurance to come in and lower prices. Homes in California are now at greater risk, and therefore insuring them costs more. You can pay more, you can leave, or you can hope that the government steps in to defray costs, but I wouldn’t count on that. Or you can leave yourself un- or under-insured, which is cheap but obviously has the huge risk that you lose your home and have nothing.

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