> I suspect long term fire insurance due to wildfire will not be covered by home insurance policies. As it’s not a “random” event, and instead a risk of certain

> I suspect long term fire insurance due to wildfire will not be covered by home insurance policies. As it’s not a “random” event, and instead a risk of certain areas. Insurance companies cover known risks all the time. The greater the risk, the higher the premiums. As long as insurance companies are permitted to accurately and fully price the risk into premiums, anything is insurable — at least in concept.