

Greed is bad, but its large losses in certain areas due to climate change-induced disasters that is pushing up prices far more than greed. You are the one that is stretching credulity more than a contortionist getting ready for their act.
And are you saying we should not have risk-based premiums? Sounds like you want the rest of us to subsidize living in a disaster prone area. I will gladly choose insurers that chops to drop clients in disaster prone areas so I can afford my insurance.
And there is the rub. Conservative legislators won’t allow it in most states, because it would mean more Dems in congress.
Same in California for much the same reason. There has long been a Republican proposal to split it into 5 states so there are more Republican senators.