I'm not sure why state farm is doing this and citing wildfires. Most insurers already won't cover fire in the fire-prone areas of the state, so you have to get

I'm not sure why state farm is doing this and citing wildfires. Most insurers already won't cover fire in the fire-prone areas of the state, so you have to get a separate plan just for fire through Cal FAIR which tends to be crazy expensive. The traditional insurers will cover everything else, like theft. So you end up with two plan, paying about 3x what you would normally. But State Farm insures a lot of areas that others already consider too risky. They could be more targeted about reducing their coverage area. If your home is in the middle of LA I don't think it's prone to wildfire risk.