 There are not enough options, particularly if you're in a place that has any kind of wildfire risk. Meantime, U.S. Representative Adam Schiff says insurance companies are gouging homeowners. A California Democrat is now pushing for a new federal reinsurance option. That bill would also require participating insurers to offer comprehensive coverage. The insurance industry, though, is resisting Schiff's plan. Jimmy Grant over at the National Association of Mutual Insurance Companies, for example, says...