Home Insurance Companies Are Leaving Again in 2026 - Homeowners Are Panicking

Storytelling: Altadena, same street, same fire. Neighbor A has a private policy with strong replacement cost and living-expense benefits. Neighbor B is forced onto the FAIR Plan—lower limits, stricter rules, and actual cash value on parts of the claim. Same disaster. Two radically different futures. In this video, I’ll walk you through the decisions they now face: rebuild with debt, relocate, or fight a utility in court. You’ll learn why the payout structure—not just the premium—decides who gets home again in 2026 and who gets stuck in limbo.