California E&S Insurance

With the increase in extreme weather events we're starting to see the same pattern develop in home insurance markets as what has always been the case for flood insurance. Only a small percentage of homes are extremely risky and their insurance cost is probably too low. Rather than make the insurance cost truly reflective of the risk, higher costs are being spread over homes in a greater area even where the risk isn't that high.

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  "thread_title": "Will home insurance become so uneconomical/awful it makes sense to self-insure?",
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