Home insurance is practically state run. At least in the state of California. The fact of the matter is, if you want reliable coverage, you need to pay high premiums. Since California thinks home insurance price gouges people, they lose coverage, and insurers. There is no evidence that insurers are dropping coverage in the middle of the fire. California has expensive homes to cover. There is only so much insurance can do magically to replace the exact value of your items, but Californians like expensive homes in danger areas.