{"id":1459,"date":"2026-06-07T22:06:51","date_gmt":"2026-06-07T22:06:51","guid":{"rendered":"https:\/\/nextcitydigest.com\/?p=1459"},"modified":"2026-06-07T22:06:51","modified_gmt":"2026-06-07T22:06:51","slug":"in-their-words-these-candidates-want-to-control-your-home-insurance-heres-why-and-what-theyll-do","status":"publish","type":"post","link":"https:\/\/nextcitydigest.com\/?p=1459","title":{"rendered":"In their words: These candidates want to control your home insurance. Here’s why and what they’ll do."},"content":{"rendered":"
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Editor\u2019s note: Please read our endorsements in other critical races on Bay Area voters\u2019 June 2 ballots as well as our interviews with dozens of local, state and national candidates here.<\/strong><\/em><\/p>\n

Read more Last call for beloved Santa Rosa dive bar: Wagon Wheel closing its doors after seven decades<\/a><\/p>\n

Californians will have the choice of a dozen candidates to replace termed-out Insurance Commissioner Ricardo Lara on their June 2 ballots. What was once an obscure down-ballot statewide office has surged to the forefront of millions of homeowners\u2019 minds in recent years as insurance companies have raised rates or canceled policies as the threat of wildfires has surged.<\/span><\/p>\n

The next commissioner will face daunting challenges <\/span>\u2014 <\/span>repairing trust in an office tarnished by Lara\u2019s coziness with the insurance industry, stemming the loss of more carriers, restoring competition and reforming the state\u2019s high-risk pool strained by more homeowners who continue losing traditional coverage, among others.<\/span><\/p>\n

As part of our editorial boards\u2019 endorsement process, we sent several candidates a detailed questionnaire to understand their visions for running the 1,400-person Department of Insurance and overseeing the country\u2019s largest property and casualty insurance marketplace.<\/span><\/p>\n

Based on a combination of endorsements received and campaign funds raised, these are the five most serious contenders:<\/span><\/p>\n

\u2014 <\/span>Ben Allen, 48, is a Santa Monica-based state senator who has represented the Westside of Los Angeles County, including many of the communities destroyed in the Palisades Fire, since 2014. (We have endorsed Sen. Allen. You can read our reasons why here.)<\/span><\/p>\n

\u2014<\/span> Steven Bradford, 60, is a Gardena-based former lawmaker, who represented parts of L.A. County in the state Assembly and Senate between 2009 and 2024.<\/span><\/p>\n

\u2014<\/span> Jane Kim, 48, is the California director of the Working Families Party. She lives in San Francisco, where she served on its Board of Supervisors between 2011 and 2019.<\/span><\/p>\n

\n<\/div>\n

\u2014<\/span> Stacy Korsgaden, 62, is a Grover Beach-based insurance agent and financial advisor. She is the Republican candidate with the most viable campaign.<\/span><\/p>\n

\u2014<\/span> Patrick Wolff, 58, is a San Francisco-based financial analyst and investor.<\/span><\/p>\n

These are their answers, which have been edited for length and clarity:<\/span><\/p>\n

What are the top three problems you\u2019re seeking to solve if elected?<\/b><\/p>\n

\n<\/div>\n

Allen:<\/b><\/p>\n

I will pursue the following priorities: Stabilizing the insurance market and moving people off the FAIR Plan: To restore a solvent, competitive marketplace while keeping rates fair and affordable, we must strike the right balance between protecting consumers and ensuring insurers can sustainably operate in the state. Post-disaster insurer compliance: I will enforce existing laws and regulations and develop new metrics to ensure that insurers support victims in good faith. Making government more transparent and accountable: families deserve a responsive, modernized Department of Insurance that works for Californians when they need it most.\u00a0<\/span><\/p>\n

Bradford:\u00a0<\/b><\/p>\n

Insurance availability and affordability: Too many Californians are struggling to even get insurance as companies leave the state at a rapid and unsustainable pace. Disaster readiness: For many Californians, their home represents their entire life savings, and losing insurance coverage means living one disaster away from financial ruin. Consumer protection: Insurance only works if companies follow the law and honor their commitments. As insurance commissioner, I will enforce consumer protection laws, investigate unfair practices, respond quickly to complaints and ensure claims are handled fairly and promptly.\u00a0<\/span><\/p>\n

Kim:<\/b><\/p>\n

    \n
  1. Make insurance available and affordable for all by establishing a Disaster Insurance for All Program. A single-payer system doesn\u2019t just fix the pricing problem. It can actually make us safer.<\/span><\/li>\n
  2. Guarantee health care for all kids by establishing Medicare for Kids. Health care for all children should be affordable and guaranteed.<\/span><\/li>\n
  3. Ensure fast and fair claims. I will establish a Policyholder Bill of Rights by law: timely decisions on claims, clear written explanations for any denial, access to independent appraisal and documentation of all communications with your insurer.\u00a0<\/span><\/li>\n<\/ol>\n

    Korsgaden:\u00a0<\/b><\/p>\n

    Increase access to a truly competitive insurance marketplace with an abundance of choice, drive down costs for consumers through real competition and aggressively reduce fraud.<\/span><\/p>\n

    Wolff:<\/b><\/p>\n

    My detailed policy plan is published on my website here: patrickwolff.com\/my-plan. The top three problems with insurance today are:\u00a0<\/span><\/p>\n

      \n
    1. Availability: Insurance companies have been withdrawing from the state and many people find it difficult to even obtain insurance, let alone to have ample choices.\u00a0<\/span><\/li>\n
    2. Affordability: Insurance prices have been going up and many customers find themselves stuck with inadequate coverage at unaffordable prices.<\/span><\/li>\n
    3. Fairness: Customers do not have confidence they are being treated fairly by insurance companies, and all too often they are right.\u00a0<\/span><\/li>\n<\/ol>\n

      Why are you uniquely qualified to solve these problems?<\/b><\/p>\n

      Allen:<\/b><\/p>\n

      After the Los Angeles wildfires, so many Angelenos who lost everything were faced with burdensome insurance processes, a lack of coverage and issues within our system. I worked in the State Senate to pass a bill (SB 495) to relieve some of those insurance burdens. I spent a decade in the State Senate working on consumer protection, insurance industry accountability, political transparency, ethics and reform, environmental health and climate resilience. My experience includes negotiating SB 54 on plastic pollution and writing Proposition 4, which voters approved by a 20% margin to fund clean water, wildfire prevention and climate resilience projects.\u00a0<\/span><\/p>\n

      Bradford:\u00a0<\/b><\/p>\n

      After nearly 27 years as a local elected official and state legislator, I am uniquely qualified to deliver real change to working families across California. This experience directly translates to the office of insurance commissioner, where I will be solely focused on creating a fair and stable insurance system that protects working families. I have a proven record of building consensus on tough issues, especially from my time on the Insurance Committee, and I am confident that I will continue to deliver results for hard-working Californians.\u00a0<\/span><\/p>\n

      Kim:<\/b><\/p>\n

      I\u2019ve spent my career taking on the complex systems that make California unaffordable, and I\u2019ve consistently delivered results for working people. I served for 12 years on the San Francisco Board of Supervisors and Board of Education, where I authored California\u2019s first $15 minimum wage, passed some of the strongest tenant protections in the country, negotiated record levels of affordable housing and made San Francisco the first city in the nation to provide tuition-free community college for all residents. I will bring together stakeholders, negotiate with powerful interests and write and enact policies to make insurance available for all.\u00a0<\/span><\/p>\n

      Korsgaden:\u00a0<\/b><\/p>\n

      For nearly 40 years, I\u2019ve worked alongside California families and small businesses, managing coverage and assisting them with the insurance industry in an increasingly complicated insurance market.\u00a0<\/span><\/p>\n

      Wolff:<\/b><\/p>\n

      I have 25 years of business and financial experience in insurance. From 2001 to 2005, my job at a major bank was to build an auto and home insurance brokerage business. Then over the last 20-plus years, I have worked as a financial analyst, analyzing and investing in companies and markets, including insurance. I have been CEO of my own investment business. I have never run for elected political office before and I will never run for any other elected office after being insurance commissioner.\u00a0<\/span><\/p>\n

      What differentiates you from your most serious competitors for this seat?<\/b><\/p>\n

      Allen:<\/b><\/p>\n

      I have spent more than a decade in the State Senate working on consumer protection, insurance industry accountability, political transparency, government ethics, institutional reform, environmental health and climate resilience, all of which are the core responsibilities of the insurance commissioner. I have a clear record as a negotiator and consensus builder, and I maintain collaborative, trust-based relationships with a wide range of state legislators. I have earned the endorsement of most of my Democratic colleagues in the Legislature and a significant portion of California\u2019s congressional delegation. Those relationships matter because the next insurance commissioner cannot operate in a silo.\u00a0<\/span><\/p>\n

      Bradford:\u00a0<\/b><\/p>\n

      What sets me apart is the depth and breadth of my experience serving Californians at every level of government. I have spent nearly three decades in public service, beginning on the Gardena City Council, where I helped lead my city out of financial distress and restore economic stability. From there, I served in both the state Assembly and the state Senate, working on issues that directly impact people\u2019s daily lives, from health care and public safety to energy, workers\u2019 rights and economic development. That combination of local and statewide experience matters.\u00a0<\/span><\/p>\n

      Kim:<\/b><\/p>\n

      Not only am I refusing contributions from insurance companies and their executives \u2014 I will not accept contributions from corporate Political Action Committees or fossil fuel companies. My opponents are funding their campaigns with corporate PAC money, but I will govern independently from the industry I\u2019m regulating. Californians deserve an insurance commissioner dedicated to making insurance affordable and available for all Californians, not to increasing profits for this $1 trillion industry. I\u2019m also the only candidate proposing transformative policy proposals, like Natural Disaster Insurance for All, to actually tackle the scale of our insurance crisis.\u00a0<\/span><\/p>\n

      Korsgaden:\u00a0<\/b><\/p>\n

      I have written policies, handled claims, managed risk and worked directly with regulators for outcomes that benefit my clients. My business was recognized nationally as one of the top performing for customer service \u2014 experience no other candidate can match.\u00a0<\/span><\/p>\n

      Wolff:<\/b><\/p>\n

      For years, we have elected politicians with no insurance experience to be the state\u2019s top insurance regulator. Unlike all my other Democrat competitors, I have real insurance experience and expertise. Two other things differentiate me from my other Democrat competitors: (1) All my other Democrat competitors are politicians, but I will never run for any other elected office if elected insurance commissioner. (2) All my other Democrat competitors have a history of accepting corporate gifts in office, but I will never accept a dime in corporate gifts.\u00a0<\/span><\/p>\n

      What did Ricardo Lara do right as insurance commissioner?<\/b><\/p>\n

      Allen:<\/b><\/p>\n

      Commissioner Lara\u2019s sustainable insurance strategy is working in that it acknowledges that climate change is happening now. Looking back on historical data to estimate future risk is not working with climate change. I strongly support the continued development of a California public wildfire catastrophe model, which we passed in the Legislature last year, giving the Department of Insurance an independent benchmark to evaluate private models and helping ensure that rate proposals are fair and justified.\u00a0<\/span><\/p>\n

      Bradford:\u00a0<\/b><\/p>\n

      He recognized that the insurance crisis is being driven by real factors like increasing wildfire risk and rising rebuilding costs, and that ignoring those realities would only make things worse. His Sustainable Insurance Strategy reflects an effort to address those pressures while keeping insurers in the market so consumers still have access to coverage. He also took steps to try to strike a balance by allowing rates to better reflect risk while requiring insurers to expand coverage and participate more broadly across the state. That approach is an important starting point for stabilizing the market.\u00a0<\/span><\/p>\n

      Kim:<\/b><\/p>\n

      Commissioner Lara advanced the Sustainable Insurance Strategy with the goal of stabilizing the market and transitioning homeowners off the FAIR Plan. The goal of getting more insurers to write policies in California in exchange for regulatory modernization was the right instinct \u2014 the problem was execution and accountability. He also worked to expand coverage for undocumented immigrants and fought for consumer protections in health insurance early in his tenure.\u00a0<\/span><\/p>\n

      Korsgaden:\u00a0<\/b><\/p>\n

      He initiated reforms via the Sustainable Insurance Strategy.\u00a0<\/span><\/p>\n

      Wolff:<\/b><\/p>\n

      The move to develop the Sustainable Insurance Strategy (SIS) is correct and necessary. There is a lot more work to be done to make the SIS successful, but the SIS is absolutely the right direction to go in.\u00a0<\/span><\/p>\n

      In what ways did Ricardo Lara fail as insurance commissioner?<\/b><\/p>\n

      Allen:<\/b><\/p>\n

      The FAIR Plan is supposed to be a temporary backstop, not the destination for a growing share of California homeowners. But over the last several years, as more insurers reduced coverage or stopped writing in higher-risk areas, the FAIR Plan grew dramatically without sufficient urgency to reduce that exposure, improve transparency and transition people back into the admitted market. I would have moved earlier and more aggressively to pair FAIR Plan growth with a clear strategy for depopulation, stronger consumer transparency and firmer expectations that insurers benefiting from regulatory changes reenter the market.\u00a0<\/span><\/p>\n

      Bradford:\u00a0<\/b><\/p>\n

      The challenges we\u2019re facing today have been building for years, driven by climate change, rising costs and structural issues in our system. That includes Proposition 103, which has played an important role in protecting consumers, but has also, at times, limited the flexibility commissioners need to respond quickly to a changing and more volatile risk environment. Where I believe there is room for improvement is in adapting our system more quickly and transparently to these new realities. We need to modernize aspects of our regulatory framework, including how rates are reviewed and approved, while still maintaining strong consumer protections.\u00a0<\/span><\/p>\n

      Kim:<\/b><\/p>\n

      The Sustainable Insurance Strategy has not achieved its goals. Insurers have continued to drop high-risk customers while raising premiums on lower-risk homeowners, using loopholes to increase rates on \u201csafer\u201d customers while continuing to withdraw from fire-prone communities. Commissioner Lara also moved to limit public oversight of rate increases under 7%, effectively curtailing the ability of consumer advocates like Consumer Watchdog to challenge those increases. Prop. 103 was designed to give the public a voice in insurance rate decisions \u2014 undermining it harms consumers. The result is that more homeowners have been pushed onto the FAIR Plan, not transitioned off of it.\u00a0<\/span><\/p>\n

      Korsgaden:\u00a0<\/b><\/p>\n

      He proved unprepared to lead the Department of Insurance, traveling while Californians faced the most critical insurance crisis in our history. Voters should not entrust him with public office again.\u00a0<\/span><\/p>\n

      Wolff:<\/b><\/p>\n

      Lara allowed the current insurance crisis to develop under his watch. Lara has also, unfortunately, lost the public trust due partly to his behavior in office of accepting corporate gifts and favors.\u00a0<\/span><\/p>\n

      As of today, how much has your campaign accepted from insurance companies?<\/b><\/p>\n

      Allen:<\/b><\/p>\n

      Zero. I have pledged not to take money from the insurance industry, as they should not influence the election of their main regulator.\u00a0<\/span><\/p>\n

      Bradford:\u00a0<\/b><\/p>\n

      I haven\u2019t taken contributions from insurance companies in this race. I\u2019ve built my career on independence and integrity, and no contribution, from any source, will influence my decisions or my commitment to doing what is right for California consumers. Throughout my time in public service, I\u2019ve demonstrated that I will stand up to powerful interests when necessary and always put working families first. As insurance commissioner, my responsibility will be to the people of California, not to any industry. I will hold insurers accountable, enforce the law, and make decisions based on fairness and what best serves the public interest.\u00a0<\/span><\/p>\n

      Kim:<\/b><\/p>\n

      Zero. I am refusing all contributions from insurance companies, their executives and their lobbyists. I am also the only candidate in this race refusing corporate PAC money.\u00a0<\/span><\/p>\n

      Korsgaden:\u00a0<\/b><\/p>\n

      I will not take contributions from insurance companies, but individual agency owners have been some of my strongest supporters. They want to back someone who actually understands insurance and is serious about fixing it.<\/span><\/p>\n

      Wolff:<\/b><\/p>\n

      Zero. My campaign is accepting no money from insurance companies.\u00a0<\/span><\/p>\n

      Do California homeowners have a right to insurance?<\/b><\/p>\n

      Allen:<\/b><\/p>\n

      I do believe every Californian should have access to stable and affordable insurance, where climate resilience is rewarded, and where people can build a future without fear that disasters or rising premiums will push them out of their homes or make it even more difficult to find a home.\u00a0<\/span><\/p>\n

      Bradford:\u00a0<\/b><\/p>\n

      Yes, I believe California homeowners should have a fair and meaningful opportunity to obtain insurance. For most families, their home is their largest investment and represents years of hard work and sacrifice. When people cannot insure that investment, they are one natural disaster away from losing everything. Declaring a \u201cright\u201d to insurance doesn\u2019t help if the market is broken and coverage is unavailable or unaffordable. My approach is to restore a stable insurance marketplace where companies are willing to operate in California, while ensuring strong consumer protections so coverage is fair and accessible.<\/span><\/p>\n

      Kim:<\/b><\/p>\n

      No. However, California and our Department of Insurance should still make home insurance products affordable and available to all Californians because financial institutions require homeowners to obtain insurance to qualify for a mortgage, just as the state requires insurance to drive to work or open a business. We must make insurance affordable and available, otherwise we are shutting everyday Californians out of the economy.\u00a0<\/span><\/p>\n

      Korsgaden:\u00a0<\/b><\/p>\n

      California homeowners are promised protection, but Sacramento\u2019s failures on wildfire mitigation, forest management, crime and homelessness are undermining the very foundation of an insurable risk, driving insurers out and punishing property owners. Any agent knows that if a home is not maintained, insurance is not guaranteed; the same is true for a state. As insurance commissioner, I will advise our leaders that California must restore policies that bring safety, security and predictability back to our state so insurance can thrive.\u00a0<\/span><\/p>\n

      Wolff:<\/b><\/p>\n

      Homeowners have a right to have the insurance system function fairly and effectively. A fair and effective insurance system would make insurance readily available to homeowners at a reasonable price.<\/span><\/p>\n

      Should homeowners in lower-risk areas subsidize high-risk homes? Why or why not?<\/b><\/p>\n

      Allen:<\/b><\/p>\n

      The issue is not whether risk is shared \u2014 it\u2019s whether it\u2019s done fairly and responsibly. We need stronger accountability so that if insurers receive rate increases or support, they are required to continue writing and renewing policies in California. We also need to reduce risk by investing in wildfire mitigation and making our communities more fire-safe. Finally, affordability should be targeted. Broad increases that hit everyone equally aren\u2019t the answer \u2014 we should focus relief on the households most affected. If we get that balance right, we can protect consumers without shifting hidden costs onto families across the state.\u00a0<\/span><\/p>\n

      Bradford:\u00a0<\/b><\/p>\n

      There does have to be some level of shared responsibility to ensure that communities are not simply abandoned and that people can continue to live in parts of California that have long been established. However, homeowners in lower-risk areas should not feel like they are being asked to carry an unlimited burden without accountability. I believe any approach to risk-sharing must be paired with strong incentives for communities to reduce risk and clear rules so people understand how costs are being distributed. We need to protect access to insurance while also encouraging safer, more resilient communities across the state.\u00a0<\/span><\/p>\n

      Kim:<\/b><\/p>\n

      The insurance industry has been able to increase their profits over the last three years by dropping high-risk policy holders while still raising premiums on lower-risk policy holders. The entire system, as it exists today, can only distribute the cost of risk. It can spread it across policyholders, but it cannot make the risk itself go down. A Disaster Insurance for All program would instead create a single-risk pool and incentivize and invest in risk mitigation. It can actually make us safer by reducing our collective risk.\u00a0<\/span><\/p>\n

      Korsgaden:\u00a0<\/b><\/p>\n

      Insurance is the spreading of risk, but we must be able to charge higher rates to owners who build in remote or high-fire-risk-areas. Someone who lives in a town with full safety services should not be forced to subsidize someone who chooses to live remotely. Insurance still spreads risk, but Sacramento\u2019s decisions have increased risks for all of California and now it is driving up costs and reducing options for everyone.\u00a0<\/span><\/p>\n

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      Wolff:<\/b><\/p>\n

      Insurance must be priced commensurately to risk, so consumers and policymakers can understand what must be done to reduce overall risk. Having accurate price signals is incredibly important. In some cases, people in high-risk areas will need and deserve help paying for the insurance necessary to live safely. These subsidies should be paid through tax revenues or rebates, rather than through cross-subsidization of insurance rates. This is not only more efficient because it preserves the fidelity of the price signals, it is also fairer because the cost is paid through a progressive tax system.\u00a0<\/span><\/p>\n

      In Dec. 2024, Commissioner Lara issued a regulation requiring that insurers wanting to do business in the state have to provide\u00a0comprehensive policies to homeowners in fire-prone areas. His rule was not limited to already-built homes. Do you agree with that rule? Would you require that insurance companies provide comprehensive policies to newly-built homes in fire-prone areas?\u00a0<\/b><\/p>\n

      Allen:<\/b><\/p>\n

      I support the core tradeoff in Commissioner Lara\u2019s approach. If the state is going to modernize the system by allowing forward-looking catastrophe models and the net cost of reinsurance into rates, then insurers need to hold up their end of the bargain and write more policies in high-risk areas. That\u2019s the deal: more accurate pricing tools in exchange for real coverage commitments. On new construction in fire-prone areas, the long-term solution is to better align land use, building standards and insurance. So the path forward is to enforce the tradeoff, while also reducing risk at the source.\u00a0<\/span><\/p>\n

      Bradford:\u00a0<\/b><\/p>\n

      We cannot allow entire communities, especially those in fire-prone areas, to be abandoned by the insurance market. If insurers want to do business in California, there has to be some expectation that they serve the full range of Californians, including those facing higher risk. That said, any requirement like this has to be part of a broader approach that keeps the market stable and ensures companies are willing to stay and compete in our state. When it comes to newly built homes in high-risk areas, I believe coverage should be tied to strong, enforceable wildfire mitigation and resilience standards.\u00a0<\/span><\/p>\n

      Kim:<\/b><\/p>\n

      I agree that we must ask insurance companies to provide more comprehensive policies to existing homes, including those which have been rebuilt, in fire-prone areas. However, I support restricting policies for brand-new developments. California must consider stronger land-use rules which reduce sprawl into wildfire-distressed areas. If we keep expanding the wildland-urban interface, even the largest insurance reforms won\u2019t be enough.\u00a0<\/span><\/p>\n

      Korsgaden:\u00a0<\/b><\/p>\n

      California\u2019s insurance market has always been able to insure wildfire risk. The real problem today is mismanagement of our forests and brush \u2014 a newer, man-made crisis. Our leaders failed to manage our lands and resources, and now risk has exploded. Restore safety and responsible land management, and we will restore a competitive insurance market. Insurance companies want to do business here, but right now it\u2019s simply not safe or predictable enough for them to commit capital.\u00a0<\/span><\/p>\n

      Wolff:<\/b><\/p>\n

      This rule created a system that incentivized insurance companies to cherry-pick homes that are on a list of fire-prone areas but are actually safe. The right approach is to make it easier for insurance companies to operate in California, create a market with choice and competition and\u00a0 allow insurance companies to compete to underwrite homes in risky as well as safe areas. We should require them to tell us what homeowners in fire-prone areas can do to reduce risk \u2014 along with providing discounts to customers for following their guidance \u2014 and then give financial assistance to help homeowners take those actions.\u00a0<\/span><\/p>\n

      Do you support requiring insurance companies to cover homeowners who participate in community wildfire mitigation efforts that meet state standards?\u00a0<\/b><\/p>\n

      Allen:<\/b><\/p>\n

      Insurance works by pricing risk, so rather than a blanket mandate to cover every property, the better approach is to require insurers to recognize and reward verified mitigation. If a homeowner is part of a community that meets state-certified wildfire safety standards, that should translate into access to coverage and meaningful premium relief. The state\u2019s role is to set clear, science-based standards, certify when communities meet them and help finance those improvements so more neighborhoods can qualify. If we do that well, we create a system where safer communities see real insurance benefits and insurers can confidently write more policies.<\/span><\/p>\n

      Bradford:\u00a0<\/b><\/p>\n

      Yes, I do support that approach. If homeowners and communities are taking proactive steps to reduce wildfire risk and are meeting clear, state-established mitigation standards, they should absolutely be rewarded with access to insurance coverage. That kind of policy aligns incentives in the right way by encouraging people to invest in safety and resilience, while also helping insurers better manage and price risk.\u00a0<\/span><\/p>\n

      Kim:<\/b><\/p>\n

      Yes. Homeowners who participate in community wildfire-mitigation efforts that meet state standards should be rewarded with coverage and meaningful rate reductions.\u00a0<\/span><\/p>\n

      Korsgaden:\u00a0<\/b><\/p>\n

      I do not believe in forcing any company to do business. Government\u2019s role is to make it safe and predictable to do business, and Sacramento has failed. Change California\u2019s policies, restore safety, and the first communities insurers will willingly write again for those that are truly fire\u2011safe.<\/span><\/p>\n

      Wolff:<\/b><\/p>\n

      If we try to mandate that insurance companies cover homeowners who follow specific state standards, there may be a disconnect between what standards the state dictates and what actions the insurance companies believe they can underwrite economically to reduce risk. Our insurance regulations should mandate that insurance companies provide clear guidance on what actions they believe will reduce fire risk. But what we should NOT do is tell insurance companies what actions they need to reward with underwriting discounts, etc. because then we risk creating a market failure.\u00a0<\/span><\/p>\n

      The climate models used by insurance companies are said to be a black box. How are you going to ensure the rate increases used by the newly approved climate models are going to be fair and accurate?\u00a0<\/b><\/p>\n

      Allen:<\/b><\/p>\n

      We\u2019ve made important progress by enabling more forward-looking tools, but the next step is to ensure those tools are applied in a way that is transparent, predictable and tied to real outcomes for consumers.\u00a0<\/span><\/p>\n

      Bradford:\u00a0<\/b><\/p>\n

      Transparency has to be the foundation of any system that allows insurers to use climate models to justify rate increases. Right now, too many of these models operate as a \u201cblack box\u201d and that is simply not acceptable when Californians are being asked to pay more. As insurance commissioner, I will require full transparency into the models being used. I will also push for independent review and public accountability at every step of the process, including strengthening oversight within the Department of Insurance and making sure consumer advocates have real access to evaluate these models.\u00a0<\/span><\/p>\n

      Kim:<\/b><\/p>\n

      I am proposing that California develops a single, statewide climate risk model built with state scientists and researchers that all insurers are required to use and that every Californian can access. The problem isn\u2019t forward-looking risk assessment \u2014 it\u2019s opaque modeling used to justify unchecked rate increases. I\u2019ll require insurers to disclose detailed breakdowns of premium allocations in all rate filings: loss payments, reserves, marketing, commissions, executive compensation, investment income and reinsurance premium. I will also compile expenditure data, make it searchable online and publish an annual \u201cWhere Your Premium Goes\u201d report.\u00a0<\/span><\/p>\n

      Korsgaden:\u00a0<\/b><\/p>\n

      We want companies with a variety of business models because real competition is good for consumers. When insurers have to compete, they sharpen their prices, improve service and innovate. If a company gets it wrong, it loses market share, no mandate needed. Right now California is overregulating, and we know that because we see scarcity of product and soaring prices at the same time. As insurance commissioner, I will roll back this overreach, welcome different models into the market, and let competition, not politics, deliver better prices and service to California families.\u00a0<\/span><\/p>\n

      Wolff:<\/b><\/p>\n

      The climate models used by insurance companies are developed by data modeling companies and based on knowledge shared widely throughout the scientific community. They are not based on secret knowledge. I support the development of the California Public Wildfire Model, as is currently under development. I see two important benefits from this. First, this may add to the current state of knowledge and allow more accurate risk prediction. Second, this can build understanding and confidence among the public.\u00a0<\/span><\/p>\n

      What state or country offers California a proof of concept, if any? Or are the regulations you\u2019re seeking to apply untested by other states or countries?\u00a0<\/b><\/p>\n

      Allen:<\/b><\/p>\n

      There isn\u2019t a perfect model for California. We see growing efforts to tie mitigation to insurance outcomes. From stronger building codes in hurricane states to community flood protections and wildfire hardening in Western states, there is a trend toward rewarding risk reduction with better access to coverage and lower costs. Where California can lead is in bringing all of these pieces together. We already lead on climate adaptation and resilience, and we can do the same in insurance \u2014 showing that you can modernize rate setting, hold insurers accountable for continuing to write coverage and incentivize real risk reduction.<\/span><\/p>\n

      Bradford:\u00a0<\/b><\/p>\n

      I believe it\u2019s important to learn from other states and countries, but we also have to recognize that California\u2019s situation is unique. States like Florida and countries like Australia have faced serious climate-driven insurance challenges, and there are lessons to be learned from how they handle risk, mitigation and market stability. That said, I\u2019m not interested in copying any one model or approach. I plan to study what works, especially where transparency and resilience are prioritized, and adapt those lessons to California\u2019s needs.\u00a0<\/span><\/p>\n

      Kim:<\/b><\/p>\n

      New Zealand, Spain and France operate successful guaranteed natural disaster insurance programs. This system has successfully managed large-scale natural disaster events. California, whose economy is larger than these three nations, should study and adapt this model. Additionally, Canada\u2019s publicly run, single-payer nonprofit auto insurance programs in British Columbia, Manitoba and Saskatchewan also offer proof of concept for a lower-cost public option for car insurance. These are not untested ideas \u2014 they\u2019re working systems in comparable democracies that we can learn from and improve upon.\u00a0<\/span><\/p>\n

      Korsgaden:\u00a0<\/b><\/p>\n

      Florida\u2019s targeted tort and insurance reforms cut litigation costs, attracted new insurers and led to flattening or falling auto and homeowners premiums, signaling a stabilizing market.\u00a0<\/span><\/p>\n

      Wolff:<\/b><\/p>\n

      There is a rich body of history, knowledge and analysis of insurance regulation across all the states in the United States, which I have studied in developing my policy proposals. I have also consulted academic experts and advisors such as Daniel Schwarcz (law professor at University of Minnesota Law School) and Kenneth KIein (law professor at California Western School of Law). Professor Schwarcz is one of the leading national experts on insurance law and consumer protection, while professor Klein is one of the leading national experts on homeowners insurance.\u00a0<\/span><\/p>\n

      Insurance affordability will functionally encourage or discourage new construction. In what ways, if at all, would you use this office to discourage construction in predictably dangerous (flammable, floodable, etc.) areas?\u00a0\u00a0<\/b><\/p>\n

      Allen:<\/b><\/p>\n

      I\u2019ve been encouraging Californians to think more critically about new developments and density in areas that already lack private insurance options due to risk. This is why I have introduced SB 1182, new development and insurance (wildland-urban interface), which reduces future liability under the FAIR Plan by requiring developers to be transparent and proactive about the insurability of their proposed projects and to increase project resilience if they cannot secure private insurance. We need to continue expanding programs like Safer from Wildfires, the California Safe Homes grant program, and vegetation management programs to help residents reduce risk and, therefore, lower premiums.\u00a0<\/span><\/p>\n

      Bradford:\u00a0<\/b><\/p>\n

      I would work to ensure that insurance pricing and availability accurately reflect real risk. If an area is predictably high-risk for wildfire or flooding, that risk needs to be clearly communicated, so decisions about building there are made with full transparency and responsibility. I would also strongly encourage building in a more resilient way, including by supporting policies where access to coverage is tied to meeting strict mitigation and safety standards, and where communities are investing in wildfire prevention, flood control and infrastructure. The goal is not to punish development, but to discourage unsafe building practices and promote responsible growth.\u00a0<\/span><\/p>\n

      Kim:<\/b><\/p>\n

      If we keep sprawling into wildfire zones, even the largest insurance reforms won\u2019t be enough. A universal insurance plan must be coupled with strong land-use rules to build more housing in safer, urban areas. As insurance commissioner, I can work with the state legislature to ensure that developers who profit from building in high-risk areas take accountability for the increased costs of their projects to the public. I will work with housing advocates and land-use experts to explore the regulatory tools for shaping development outcomes that protect both our wildlands and reduce risk.\u00a0<\/span><\/p>\n

      Korsgaden:\u00a0<\/b><\/p>\n

      I believe in property rights, and with those rights come responsibilities. If you choose to live or build in a higher-risk area, you should expect to pay higher insurance premiums.\u00a0<\/span><\/p>\n

      Wolff:<\/b><\/p>\n

      There are three key roles insurance companies play in addressing climate risk:\u00a0<\/span><\/p>\n

        \n
      1. Pricing climate risk.\u00a0<\/span><\/li>\n
      2. Measuring and reporting climate risk.\u00a0<\/span><\/li>\n
      3. Investing in climate risk reduction.<\/span><\/li>\n<\/ol>\n

        I do not think we should treat climate-risky areas as \u201coff limits\u201d for housing. Instead, we must make sure we build housing responsibly by making sure climate risk is accurately priced, climate risk data is measured and reported and climate risk reduction\/mitigation is effectively deployed.\u00a0<\/span><\/p>\n

        Assuming your goal is to get people off the FAIR Plan, explain how. If it\u2019s not your goal, explain why not.<\/b><\/p>\n

        Allen:<\/b><\/p>\n

        First, we need to stabilize it in the near term while reducing reliance on it over time. Second, we should improve coverage so consumers aren\u2019t forced into piecemeal solutions. That means continuing to modernize FAIR Plan products. Third, we need better data transparency and risk management. A more robust, publicly accountable approach to catastrophe modeling can help ensure the FAIR Plan is pricing risk appropriately and planning for worst-case scenarios. Finally \u2014 and most importantly \u2014 we have to shrink the FAIR Plan\u2019s role. The only sustainable way to do that is to bring insurers back into the market.\u00a0<\/span><\/p>\n

        Bradford:\u00a0<\/b><\/p>\n

        Yes, my goal is absolutely to get people off the FAIR Plan. My top priority is to stabilize and restore a competitive private insurance market so more homeowners have access to comprehensive coverage and real choices, not just a fallback option. In the meantime, we have to make sure the FAIR Plan is working for the people who depend on it today. That means improving transparency and accountability in how claims are handled so policyholders are treated fairly and disputes are resolved quickly.\u00a0<\/span><\/p>\n

        Kim:<\/b><\/p>\n

        My approach has three tracks: First, reform the FAIR Plan in the short term: restructure the governing board to include consumer advocates, homeowners, labor, elected officials and independent financial experts \u2014 not just industry interests. Second, build a Disaster Insurance for All program as the long-term alternative. A public, nonprofit, single-payer home disaster insurance system would remove private insurers\u2019 excuse to exit the market. Third, require private insurers to stay and serve the full market. If you want to write any insurance in California, you must write it across the state, not just cherry-pick low-risk customers.<\/span><\/p>\n

        Korsgaden:\u00a0<\/b><\/p>\n

        The best way to move people off the FAIR Plan is to lower insurable risk in our state. I will create a new business division in the department that welcomes new companies and capital into California, depopulating the FAIR Plan by expanding real private\u2011market options.<\/span><\/p>\n

        Wolff:<\/b><\/p>\n

        It is definitely my goal to depopulate the FAIR Plan. The only way to get people off the FAIR Plan is to fix the regular, admitted insurance market. As we increase choice and competition, people will be able to get better and cheaper insurance away from the FAIR Plan. I believe carrying forward and strengthening the reforms of the SIS will help create more choice and competition. One key reform that must be implemented in this regard is to make it much easier for insurance companies to have their rate and product filings reviewed and approved expeditiously.\u00a0<\/span><\/p>\n

        What other information should we know about your vision and competency for this office?<\/b><\/p>\n

        Allen:<\/b><\/p>\n

        I have been endorsed by a broad coalition of organizations, elected leaders, labor unions and community leaders, including: both U.S. Sens. Alex Padilla and Adam Schiff, California Environmental Voters, California Professional Firefighters, Sierra Club, Jane Fonda, California Federation of Teachers, and so many more to be found at benallenca.com. I would be honored to receive your endorsement.\u00a0<\/span><\/p>\n

        Bradford:\u00a0<\/b><\/p>\n

        My vision for this office is grounded in experience and a very clear understanding of what\u2019s at stake for California families. For too many people, their home represents their entire life savings, and if they can\u2019t insure it, they are one disaster away from financial ruin. In terms of competency, I bring nearly three decades of public service at the local and state level, including leadership roles on major committees like Energy and Utilities, Banking and Financial Institutions, Labor and Public Safety. I\u2019ve built a reputation for doing the homework, engaging with people from all perspectives, and solving complex problems.\u00a0<\/span><\/p>\n

        Kim:<\/b><\/p>\n

        This under-the-radar, under-leveraged office could be a powerful platform to advance a bold agenda for working families and reimagine insurance to serve all Californians. I\u2019ve spent my career taking on powerful industries and delivering results. I\u2019m ready to do it again.\u00a0<\/span><\/p>\n

        Korsgaden:\u00a0<\/b><\/p>\n

        Please go to my website at stacyforinsurancecommissioner.com to review my 10-point plan.\u00a0<\/span><\/p>\n

        Wolff:<\/b><\/p>\n

        The reason our insurance regulation is so dysfunctional is we have been electing politicians with no insurance experience or expertise to be the state\u2019s chief insurance regulator.I have 25 years of business and financial insurance experience. I have also worked hard to learn the specific insurance knowledge needed for this job. I spent the first half of 2025 deeply studying California\u2019s insurance regulations. During the fall of 2025, I also took the time to study for and pass my property and casualty insurance licensing exam in order to broaden my knowledge of how P&C insurance operates in California.<\/span><\/p>\n

        To read our endorsements in other races and interviews with the top candidates for offices on Bay Area voters\u2019 June 2 ballots, click here.<\/p>\n

        Read more Iran\u2019s soccer team arrives in Mexico for training ahead of the World Cup<\/a><\/p>\n<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"

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