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I don’t live in the area, but I do work at an insurance headquarters. California is the only state we lose money. Florida is a bad one, parts of Texas. It’s going to be increasingly more difficult to insure homes in these areas. Cost of homes, risk exposure, and California regulates prices in such a way that we would have to cover homes we know will burn in Northern California in order to cover the homes in downtown San Francisco. We are exiting these markets intentionally. The California government should open up pricing so companies compete for your business, which may be expensive but represents the risk they cover. Instead they choose price fixing and everyone leaves. I imagine those areas will eventually have a state or federal program with poor coverage. And I’d happily throw the insurance companies under the bus if they were being greedy. I’m not that loyal. It’s a low margin business -2% to +8%
Are you calling individual places? I’d recommend using a broker.
I have contacted 2 brokers. But no luck.
Mentor
Fair Plan if you can’t find anyone else. They provide only fire and then you get the rest from someone else.
Sorry what's the problem? Why is it hard to get home insurance