 Thousands of homeowners in California knew worries about their insurance policies. The state's largest insurer, State Farm, requested one of the biggest rate increases ever, nearly 30% over the next year. Michael Solers, a spokesman for the State Department of Insurance. In this insurance crisis we're in right now, that is really the big problem facing Californians. There are not enough options, particularly if you're in a place that has any kind of wildfire risk.