[link removed]
[link removed]

Vanishing providers.

Homeowners left vulnerable.

All as wildfires continue to rage across California—one of the most disaster-prone states in the country.

The LA wildfires revealed how broken California’s homeowner’s insurance is. But this crisis didn’t happen overnight. Decades of bad regulation have paved the way to its collapse. How many more homes have to go up in flames—and how many more homeowners have to lose everything—until things change?

Independent Institute’s new Golden Fleece Report exposes the many failures that led to this present crisis. Better yet, it explains how to fix it.
Read the Report ([link removed])

What are the California Golden Fleece ([link removed]) ^® ([link removed]) Awards ([link removed]) ? They are a series of in-depth reports from the Independent Institute that expose the waste, fraud, and abuse in California. Each report has three goals:
* to expose government waste
* to increase transparency into the inner workings of government
* to hold government accountable at all levels when they swindle taxpayers or break public trust by giving the public meaningful information

A program, agency, policy, tax, or regulation must violate common-sense principles of responsible government to receive a California Golden Fleece® Award. That’s why the ignoble recipients of this 16th award ([link removed]) are Harvey Rosenfield, author of Proposition 103; Proposition 103; the California Department of Insurance; and the California Insurance Commissioners.
[link removed]

To find out more about the California Golden Fleece^® Awards, the Independent Institute, and how you can be a part of real solutions, visit us online ([link removed]) or follow us on X @CAGoldenFleece ([link removed]) . Past reports have exposed the harmful impact of California’s CalGang database and gang laws ([link removed]) on civil liberties and justice, the corruption that led to California’s higher gas prices ([link removed]) ; public policy failures that contributed to California’s wildfires ([link removed]) , the stupidity and cruelty of automated license plate readers ([link removed]) ; and more.


** REPORT AUTHOR
------------------------------------------------------------

Kristian Fors ([link removed]) is a research fellow at the Independent Institute and director of the California Golden Fleece® Awards. His research focuses on public policy and economics, with an emphasis on government waste and inefficiencies in California. He earned a BA in economics from Utah State University, an MA in international relations from the Moscow State Institute of International Relations (MGIMO), and an MSc in behavioral science from the London School of Economics.
[link removed]

[link removed]
[link removed]
[link removed]
[link removed]
[link removed]
mailto:[email protected]

You received this message because you are subscribed to Publications.

Independent Institute, 100 Swan Way, Oakland, CA 94621-1428
Manage preferences ([link removed]) | Unsubscribe ([link removed])

Copyright © 2025 Independent Institute, All rights reserved.