They do... we all pay a high rate and if you aren't on top of it you're cancelled...
Very hard to get insurance now and much harder if cancelled... and the companies know it.
Fire rating based on build is almost non existent...
Spending money on a clay tile roof, now exterior exposed wood, triple pane windows, full inside and out fire sprinklers plus we'll cleared with a fire hydrant in front with 180 psi and a fire station a 1/4 mile away means nothing...
What counts is how close to park and open space!