Buying a home is supposed to be exciting—stressful, yes, but exciting. You find “the one,” you make an offer, you imagine where the couch will go, and you start mentally arguing with yourself about paint colors.
But in California, a growing number of buyers never make it to the moving‑in stage. Deals are falling apart not because of bad inspections, cold feet, or financing disasters, but because buyers simply can’t get homeowners insurance. And according to recent data from the California Association of Realtors, 13% of realtors in the state say a home sale fell out of escrow this year due to insurance problems. That’s nearly double last year’s number—and a sign of a crisis that’s reshaping the state’s housing market in real time.
