Jennifer Van Laar, managing editor of RedState, said that California’s regulatory approach has driven insurers out of certain regions, leaving residents with limited or no coverage options. This statement was made on the social media platform X.
“Are you a moron,” said Van Laar. “Do you not understand that many people only had Fair Plan insurance or none at all BECAUSE CA ALLOWED ALL THE INSURANCE COMPANIES TO PULL OUT OF THAT AREA?”
California’s homeowners insurance market is experiencing instability as major insurers withdraw, premiums increase, and more residents are forced onto the FAIR Plan. According to a McKinsey analysis, the state faces a $1.35–$2 trillion coverage gap, with wildfire-exposed regions accounting for roughly one-third of this shortfall. These pressures have intensified debates over affordability and long-term market resilience.
FAIR Plan data indicates that there were 645,987 dwelling and commercial policies in force as of September 2025. This represents a 39% increase from 2024 and a 169% increase since 2021. The FAIR Plan’s published statistics show written premiums reached $1.93 billion and total exposure rose to $696 billion, reflecting growing reliance on the state’s last-resort insurer. These figures highlight a rapid shift away from the private market.
State insurance data reveals that about 13% of California residential homeowners and dwelling-fire policies were non-renewed in 2021, with the FAIR Plan holding roughly 3% of the statewide residential market. According to the California Department of Insurance, non-renewals steadily increased from 2015 to 2021, illustrating how insurer withdrawals have contributed to rising premiums and shrinking availability.
Van Laar is an investigative journalist covering national politics and California’s cost-of-living issues. Her MuckRack profile notes she frequently reports on insurance-market disruptions, state regulatory decisions, and affordability concerns. Her commentary often focuses on government accountability.
