California's home insurance crisis is spreading beyond wildfire country (opens in new tab)

Realizing the dream of homeownership comes with a cold reality for millions of people in California: more expensive insurance premiums that cover less. Increasingly, the only option for some homeowners is the California Fair Access to Insurance Requirements (FAIR) Plan, a state-mandated backstop that, until recently, primarily provided coverage in places conventional insurers would not touch because of wildfire risk.