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Home California Promised Insurance Relief But Delivered Loopholes California Promised Insurance Relief But Delivered Loopholes

California Promised Insurance Relief But Delivered Loopholes

Maggie Neilson, whose home insurer elected not to renew her coverage months before the fires, visits the ruins of her 1924-built home in the Pacific Palisades neighborhood of Los Angeles on April 24, 2025. The only insurer Neilson could find was the state FAIR plan, which charged her about 40% more, for about 40% less coverage. She now expects to receive $1.5 million for a rebuild that is likely to cost around $3 million. (Mark Abramson/The New York Times)