the aftermath of this fire in dublin hills in 2022 left residents like sunita with sky high insurance rates and only partial coverage. >> i contacted multiple lenders and, you know, nobody would actually cover anywhere close to a wildfire zone. >> reporter: she's just one of the millions of californians who have had their homeowners insurance declined or limited the past few years in the wake of increased wildfires. according to the department of insurance, seven of california's top 12 companies have denied existing policies or stopped selling new ones since 2022. in fact, state officials say this past summer state farm insurance dropped 1,600 policies in the pacific palisades neighborhood that burned this week. many of those have been put on the state's fair plan of last resort. >> with the climate changing and risk growing, you know, there's a price to pay for that. insurance companies are saying we aren't going to pay the price. our customers are. >> reporter: amy bock, executive director of united policyholders, says she expects coverage challenges to continue in the wake of l.a.