California homeowners cannot find or afford adequate wildfire insurance coverage as insurers mass-exit the market

California homeowners are facing a critical insurance crisis where major carriers are non-renewing policies and exiting the state entirely, leaving residents unable to obtain necessary wildfire coverage at any price. Homeowners who want to maintain protection are forced into the state's insurer-of-last-resort (FAIR plan) with limited coverage and higher premiums, or go uninsured and face financial ruin from wildfire damage. Current solutions fail because the market has fundamentally broken—it's not about shopping better, it's about insurers refusing to write policies in high-risk areas regardless of homeowner behavior.