> * If an insurance company wanted to charge higher premiums, they would just do so.* That’s not an option in many cases. The first homeowner featured in the a

> * If an insurance company wanted to charge higher premiums, they would just do so.* That’s not an option in many cases. The first homeowner featured in the article is in rural Northern California. CA’s insurance regulator has been extremely restrictive about letting insurers raise rates, especially in that area, so her insurance premium was probably a fraction of the expected cost of insurance claims.