California E&S Insurance

This is clearly a weak excuse to get out of giving a quote. Why not just provide a quote for a higher price? There are limits to how much California regulators let insurance companies set prices. So if an insurance company has other reasons for thinking a house's allowed premiums don't justify the risk, they will come up with "reasons." This is also a consequence of our high housing costs, in addition to the costs of increased disasters (from both climate change, and from more people moving into the woodland-urban interface, a consequence of our banning density). Most people don't see how expensive construction has become, because we rarely build new things. But as NIMBYs exclude more and more people, that means that the few people who do construction will need higher wages in order to live anywhere nearby, all the construction firms need to charge massive prices because their rent is high because land prices have been inflated by broad downzoning. There's a reason that h housing theory of everything is gaining steam: it underlies so many of our core problems. And as housing gets more unaffordable, small issues like people having to hunt for insurance are some of the more minor and trivial consequences.

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