This is a key issue. Are rates raised elsewhere, due to staggering insurance payouts in California? Or are rates raised only in locales which have had fires or other disasters?
Someone told me that a national company such as State Farm, actually operates as 50 separate companies, so that each state has to balance premiums and payouts, for financial purposes. I don’t know if that’s true. But if true, rates should only be raised in such states which have experienced a disaster. In CALIFORNIA for example, the higher fire danger there should justify higher premiums than elsewhere.
Ditto Florida and other coastal states for hurricane damage.
Insurance contracts are financial services and thus regulated at the state level and can be quite different from state to state. That is why insurance companies create a different company for each state.