The problem with insurance companies in California is that they have no incentive to help the homeowner mitigate wildfires. If you cannot get insurance because the provider leaves, or declines to provide coverage, you must go through the California FAIR Plan. The insurer of last resort. It is a non-voluntary association of carriers who will provide insurance, by law, but it will be extremely expensive.
The core issue, however, is that the FAIR Plan and its associated providers, have no incentive to help a homeowner mitigate their wildfire risk, which could help them get off of a FAIR plan and on to a more traditional insurance policy.
Worse, the software the insurance providers use to calculate risk does not take into account mitigation efforts. Instead it uses county level census data that lumps everyone in a county into the same wildfire risk score.