Kristian Fors is author of “Why California’s Home Insurance Market Collapsed—and How to Fix It.” He is director of the California Golden Fleece® Awards at the Oakland-based Independent Institute.
California Insurance Commissioner Ricardo Lara recently stated that “we are in a statewide insurance crisis, affecting millions of Californians.” In the last few years, major insurance companies like State Farm General have restricted new business in California and have failed to renew thousands...