NOBODY needs to be without home insurance in California. Many big X accounts love to spread sensational nonsense. The truth is just not as sexy. Everybody has access to CA Fairplan with wrap around insurance if any insurance company decides to not renew a policy. Anybody without insurance makes that choice voluntarily, not out of necessity. Anybody living in Southern California has to be ok with the risk of earthquakes and fires, the same as others choose to live in states with hurricanes and tornadoes. I lost property (minor) in this and the Woolsey fire that I chose not to insure. My choice. I can’t imagine anybody forgetting to insure their multi million home. #PalisadesFire