Naive answer, but I think this exists and is called the FAIR plan. See here: https://stateline.org/2025/01/16/california-fires-show-states-last-resort-insurance

Naive answer, but I think this exists and is called the FAIR plan. See here: https://stateline.org/2025/01/16/california-fires-show-states-last-resort-insurance-plans-could-be-overwhelmed/ https://stateline.org/2025/01/16/california-fires-show-state...