If you want to wade in on insurance markets, you need at least a cursory understanding of insurance markets. It's a "puzzle" why Denver has high premiums? Some of the highest hail losses in the country. High LA costs come from... earthquake?? Probably would be true if anyone bought EQ insurance.
California YIMBYHome insurance premiums jumped 46% since 2018, nearly double inflation. Now, 1 in 6 new buyers spends over 3% of their income on insurance alone, with low-income homeowners paying the highest rates relative to their property values. www.urban.org/urban-wire/h...