Hero image illustrating California’s home insurance crisis: a wildfire engulfs a wooded hillside as flames and smoke rise behind a burning house and the California State Capitol. In the foreground, a large document stamped “Canceled Insurance Policy,” “Overdue,” and “Past Due” stands beside a “For Sale – Too Expensive” sign. A FAIR Plan “last resort insurance” sign appears near stacks of papers marked “closed” and “foreclosure.” On the right, worried political figures study documents beneath a sign reading “Failed Policies.” The overall composition symbolizes insurer cancellations, unaffordable coverage, forced home sales, and the role of failed California political management in worsening the crisis.
California, Housing Market, Insurance, Public Policy

California’s Home Insurance Reckoning

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California’s insurance crisis is not just about fires. It is about political delay, poor risk management, shrinking coverage, and a housing market under pressure.