California E&S Insurance

Is the high cost of insurance because of the claim(s) or because of geography?  One of my rentals in a suburban area is within 2000 feet of a canyon and is deemed an unacceptable fire risk.  I ended up in CA's FAIR* scheme and a second policy for other things.  Cost twice as much for less coverage.  That is unfortunately the state of CA insurance today. *CA state high-risk pool if you can't get insurance elsewhere.

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