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Several converging factors in 2024 create a challenging market for consumers looking for home insurance coverage.

Compared with older cohorts, homeowners age 18-34 were 10 times more likely to have their insurance dropped.

Insurers that continue to evolve their risk modeling gain a competitive edge in underwriting and risk management.

Insurance is a 'necessary solution to scaling this market with integrity,' industry players say.

Beginning September 1, the insurer will offer a total 6.3% discount to insureds whose homes meet all of the state's Safer from Wildfires regulations.

Damage appears similar to the impact of strong winds from hurricanes Ike and Alicia, according to AccuWeather.

Home prices across the nation are overvalued, in many cases by more than 10%, according to Fitch Ratings.

California has seen four of the most destructive wildfires in U.S. history, the most of any state.