That would be really scary, for sure. If you have a mortgage, the bank requires insurance.
Our daughter in CA just had her policy cancelled. Many companies are no longer writing CA policies. All because of poor forest management pushed on the state by the envirokooks.
Some years back lots of insurance companies left Florida too... and the State came up with their own insurance for people who couldn’t get insurance. It’s called CITIZENS. Maybe California will do something like that and your daughter will still be covered - it’ll cost more - but it’ll be a safer bet than California waking up and realizing they need to manage their forest as if people mattered as much a some liberal’s concept of what a free form forest should look like...
I don’t have mortgages on my homes... My plan is to buy liability insurance cheap and bank what I pay for insurance. Every year I consider it - every year I think ‘what if this is the year a hurricane hits’ and put the decision off for another year. I should have done this twenty years ago.