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There are to components, breakeven price for profitability and the price that an or will be paid.

If it costs 10 million dollars to replace a house, the insurance will be out reach for most homeowners.

My understanding is that some people are willing to pay, but it's illegal to charge that much.

	▲	s1artibartfast 12 hours ago \| parent [-]
		There is an issue with price caps in some regions. Some of those have been addressed. I think this is a subset of larger shift in the economics of insurance. While coverage focuses most on the climate change aspect, the majority of the change is driven by building costs. If you cant rebuild economically, then you cant insure economically.