California has a serious homeowners insurance crisis because many companies aren't selling new policies. This makes it difficult for people to protect their homes.
The problem is linked to climate change and old rules from 1988 that limit how insurance companies can calculate rates. These rules block new methods like predictive modeling that could help assess risks better.
There's a push for change, but some groups are fighting it because they benefit from the old system. This means homeowners may face higher insurance costs, but having insurance is still better than having none.