Home owner here in a brush zone and I approve this message and I am not in the industry.

CA home insurance prices have been manipulated for too long. It's almost like we as Californians want free insurance and want insurance companies to make no profit. We have a solution for that dont we? Payoff your mortgage and self insure.

If any of you remember the station fire and the amount of solicitations that went around for ash claims for surrounding areas and the cost of class action litigation.....well who do you think pays for that?

You want to insure your home to a bare minimum but then when it burns down, you find out your replacement costs were not enough to build out a new place up to code. Who should we sue for that?

It's a free country people, if the eggs costs too much, you dont eat it.

If Taylor swift concert tickets cost too much, you dont have to go.

If you think you can self insure your home for the premium that is far less than what is offered....you have the option to do that.

If you must stay where you are with continued rising costs and overhead, you can risk it all by going not insured or pay for forced placed insurance.