The cost of real estate is so high that it's hard for an insurer to just even afford losses at that scale. The insurance companies that are pulling out totally want to sell you insurance, no matter how big your house is. But they want you to pay a market rate for it and there's no way you will. It's just too expensive. And then some of it might be brainwashing about climate change. So they may have convinced themselves it's really about climate when it might more be about the cost of real property going out.

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