text:  Yeah, so she is a retired high school teacher. She lives out in California, and she is in, if you look at a map showing a fire hazard area, she is right where it's red, so high risk of wildfires in her area. When she first moved out there, she bought the home outright. She moved out there in late 2018, and initially, she thought insurance was affordable, less than 100 a month. She thought she could do it with what she got from her pension at the time, but