Under California law, when a personal lines property or casualty insurer non-renews a policy due to the insured living in a high-risk area (such as a wildfire zone), the insurer must:

• Only provide notice if the insured specifically requests an explanation
• Transfer the policy to a state-run insurer without notice
• Provide notice stating the reason, advise of the FAIR Plan, and inform the insured of appeal rights
• Cancel the policy immediately and issue a refund of unearned premium