加州的家庭保险危机使许多人由于自然灾害风险而面临高昂的成本和很少的选择。 California's home insurance crisis leaves many facing high costs and few choices due to natural disaster risks.

加利福尼亚的家庭保险市场正在挣扎,许多居民面临高保费和有限选择。 California's home insurance market is struggling, with many residents facing high premiums and limited options. 这一问题源于野火和地震风险的增加,导致保险公司抬高价格或退出市场。 The issue stems from increased wildfire and earthquake risks, leading insurers to raise prices or leave the market. 专家们建议了一些解决办法,如制定国家支持的保险方案,提供抗灾建筑奖励,改进风险评估技术以稳定成本和可用性。 Experts suggest solutions like creating a state-backed insurance program, offering disaster-resistant building incentives, and improving risk assessment technologies to stabilize costs and availability.