Explore the challenges and solutions in California's homeowners insurance market, covering rising premiums, risk mitigation, the FAIR Plan, and regulatory impacts affecting availability and pricing.

Explore how California’s wildfire premium discounts outperform Oregon’s voluntary certificate program, highlighting effective insurance incentives for homeowner wildfire risk mitigation.

Lawsuits in California allege home insurers restricted wildfire coverage, pushing homeowners to costly FAIR Plan policies amid rising wildfire losses and insurer exits. Experts urge risk mitigation over litigation.

Colorado proposes a 1% home insurance fee to fund hail damage mitigation and wildfire claim support, aiming to stabilize market and lower homeowners premiums.