Navigating Homeowners Insurance Cancellations and Rising Quotes Amid Climate Change

Homeowners insurance cancellations are on the rise, with homeowners facing difficulties finding new policies. Insurer GEICO has been canceling policies, citing reasons such as overhanging branches and limited backyard access. Mega insurers State Farm and Allstate have also announced they will not sell new policies in California. Consumer advocates argue that insurance companies must justify cancellations and treat customers fairly under Proposition 103, but enforcement of the law is lacking. As a result, insurance companies have the freedom to non-renew policies as long as they are consistent with underwriting guidelines and not discriminatory.