Here in NorCal home owners coverage went up 30% this year, rezoning my area into "extreme fire hazardous" ~ So I reached out to get rates from another carrier (USAA) Soon as a gave my zip code location an automated recording said "so sorry"After the remnents of a hurricane a couple years back my roof had a leak. I called the insurance man who sent out a rep to scope out the situation. About 2 weeks later they replaced the shingles.
A year later they doubled my annual premium.
Due to CA BLM forest mismanagement nearly all of this state is a fire hazard