The title refers to home insurance, but the article (and the announcement from State Farm) say this will affect "all business and personal lines property and casualty insurance." Insurance companies have always based premiums on risk and the cost of indemnifying policyholders, but this raises some interesting questions. Is the danger sufficiently high in all parts of California for State Farm to pull out completely? People in areas prone to natural disasters often rebuild after losing everything just because they want to live there. Will this action by State Farm counter that tendency, especially for wildfires, which often recur?