Here in my part of Northern California, we are now limited to the California Fair Plan. Many properties are mobiles on land—only two, then one and then no insurer would write such policies.
I would love to have USAA, but they stopped writing in this area two years ago.
In NorCal also but with USAA 40+ years. Hardscaped around my home a decade ago, thinned the trees, no branches below 5 feet off the ground, keep the gutters clear, have a metal roof, fire-resistant vents, and my garage is detached.
Last couple of years I have been digging a trench around the property line and installed pipe connected to my sprinkler system with 4’ tall piping attached to the 6’ tall metal fence topped with the same sprinklers used on golf courses. Configured them to sweep and can completely soak my home and surrounding yard in 10 minutes. Installed a back-up solar battery to the system in case the power goes out. If I can afford to do this on Social Security and a small pension, why didn’t all the millionaires in L.A. do it for their homes?