I believe the gentleman here, that like many others with “experience” tends to make the mistake of living by assumptions, missed the fact that more and more CA residents were dropped by private insurances. 

In some areas like Palisades, State Farm was particularly aggressive in cutting policies. As a result thousands of LA homeowners switched to CA FAIR coverage plans in the recent years (~15%) and FAIR DOES NOT COVER ARSON. 

As I mentioned in a previous post many others were Forced Placed into other insurance schemes due to their insurance policies being dropped and most of the forced placed insurances don’t cover arson either.