Problem is the insurance company cancelled the insurance before the fire happened.
There is more than one insurance company out there... It is your responsibility to insure your stuff... Not the governments responsibility.
You can blame liberal California politicians for that. The people there got what they voted for.
In most cases it was more that insurers did not renew a policy, not that it was “cancelled”. And this was a rational business decision for them due to the regulatory environment for insurance in California, the regulatory environment affecting fire prevention (extreme environmental laws preventing firebreaks and forestry management), and the feckless governmental executives local and state.