Retired high school teacher Anjali Teirra, aged 58, has lived in her three-bedroom house without homeowners insurance since 2019. She initially took out a policy for her home in the Tehachapi Mountains of southern California in late 2018, which cost her under $100 monthly in premiums. This was affordable and provided peace of mind, especially considering her home was located in a "very high" fire hazard severity zone.
However, she received a renewal notice the following year and was shocked to see her monthly premium had increased to $350. With a pension of $3,500, Tierra decided to search for more affordable home insurance.
