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Berkshire Hathaway's AmGUARD as well as Falls Lake Fire & Casualty are pulling out of the state's beleaguered home insurance sector.

The independent agent channel placed 63% of the P&C insurance written in the U.S. in 2022, according to a recent report from the Big "I".

Insurance is stocked with smart people who must forge a fresh path without zapping policyholder financial security.

Increased wildfire risks, economics and an inability to increase coverage rates as needed are leaving California homeowners exposed.

While home insurance typically excludes damage from floods and mudslides, Californians might be covered if wildfires were an 'efficient proximate cause.'

The Inland Empire man allegedly ran 'paper collision' schemes that netted more than $80K.

The appointment follows the retirement of state Insurance Commissioner Jim Ridling at the end of June.

Voters in California, Georgia, Kansas and Oklahoma will select their next insurance commissioners in November.