Some or all insurance companies have been canceling policies. James Woods said his was cancelled 4 months ago. Why he did nothing is his problem. But when that happened the company was in effect stating that he property was un-inhabitable, as I believe is much of California. I
Insurance companies were looking at two pieces:
Risk
Premiums
Refusing to offer policies just means they were not allowed to charge premiums (by CA insurance regulators) that reasonably covered the risk.
CA regulations require insurance premiums that are among the lowest in the country for the equivalent replacement cost.
The insurance companies are taking extraordinary risk in CA at those premium levels even before taking into account wildfires and earthquakes.