This is extremely helpful. 

I am not really sure on how to fix it but I am sure it is extremely broken. 

When I looked at Proper Insurance (their rates were extremely high), by eliminating the wind coverage they said I would not get loss of income if it was related to wind.  

@Michael SmytheThanks for the detailed message, this is extremely helpful.

I feel that's extreme. 

While I do think that extreme climate is something we all will have to contend with, I think the area will always be popular as a vacation destination.Having said this, I am thinking about looking for a STR in the area. 

The bill, introduced by Assemblyman Isaac Bryan (D-Los Angeles), would require local governments to update hazard mitigation plans to address extreme heat by January 1, 2028.CAA’s concerns center around the potential for costly retrofitting mandates, particularly for older buildings not equipped for modern HVAC systems.

Getting that education is very valuable and it gives you access to MLS which is extremely helpful as an investor.

Plus we are extremely close so we take care of each other, no questions asked, when tough times come.

Extreme opposite of what we saw in 2021-2022.