All home owners with a mortgage have to rely on insurance BEFORE any catastrophe. The lender of record will require that, or buy insurance for the homeowner to cover the loss of the remaining mortgage. My insurance company required me to harden my house in 2019, and then sent me a cancellation notice in 2021. Due to the River and Mosquito fires I still have a “reasonable” rate,
since they can not cancel a policy within or adjacent zip code to a state declared emergency incident.
Talking with a long time insurance broker, he feels that the only solution to the lack of house insurance options, is to tie the ability to write car policies to home policies. In other words, if a Insurance company wants to write car policies, which are still very profitable in CA, they must write a similar percentage of home policies. I’m not sure that would work but it seems reasonable