Fire insurance is too damn high. What's a homeowner to do?

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The Woolsey Fire seen from above. Photo credit: Forest Service, USDA. Courtesy of Peter Buschmann.

Last November's Woolsey Fire burned down hundreds of homes in LA and Ventura counties. In response, home insurance companies are raising rates of some policyholders, while not renewing policies of other homeowners. Residents have also started to rebuild, and the city is trying to speed up that process.