Here in California, living is a Zone 3 fire rating area, I was lucky to get homeowner's insurance other than through the California Fair Plan. My neighbors pay several times mor than I do. I owe it to my broker who told me this; buy 2 new cars, insure them with the same company as the home and we can get you private homeowner's insurance through Liberty Mutual. This turned out to be cheaper than the California Fair plan my neighbors are paying.
Let me say this again; I have two brand new cars, a 2024 Subaru Outback Wilderness edition and a 2024 Subaru Impreza. Payments are $800 a month for both after my trade-in of one 2020 Subaru Ascent. Insurance for them is $400 a month. Home owner's insurance is $200 a month on a $1M+ home. Total for a year is $16,800 for cars and insurance. My neighbors are paying, at minimum, $12,000 per year just for homeowner's insurance under CFP. I'm sure they pay at least as much for car insurance as I do, $400 a month for 2 new(er) cars, making the car payments I have zeroed out, basically free.