Insuring your home has never been harder. Here's how to do it.

Christina Temple moved to Truckee, California, to buy her first home.

The small mountain town, a short drive from Lake Tahoe, offered the former preschool teacher and her husband, a carpenter, a shot at becoming middle class by escaping crushing housing costs near Santa Cruz, California.

“We moved up here for a better life,” she said in a phone interview. “For two or three years, we got that taste.”

Then the insurance bills came. In 2017, the couple paid $1,100 to insure their small cabin. But since then, nine of California’s 10 largest wildfires have erupted, sending the insurance market into turmoil. Three insurers have dropped her in three years. This year, a basic policy from the public FAIR plan, the state-run insurer of last resort, and supplemental private insurance will cost Temple $6,000. It’s likely to rise again. “Now we’re back to watching each paycheck,” she said, “and budgeting for everything.”

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