{"id":185,"date":"2023-12-22T21:48:26","date_gmt":"2023-12-22T21:48:26","guid":{"rendered":"https:\/\/chrisrogersforassembly.com\/?page_id=185"},"modified":"2024-02-04T10:19:33","modified_gmt":"2024-02-04T18:19:33","slug":"issues","status":"publish","type":"page","link":"https:\/\/chrisrogersforassembly.com\/issues\/","title":{"rendered":"Issues"},"content":{"rendered":"<div id='full_slider_1'  class='avia-fullwidth-slider main_color avia-shadow   avia-builder-el-0  el_before_av_section  avia-builder-el-first   container_wrap fullsize'  ><div  class='avia-slideshow av-lqh86p0n-1d2e615afaad1872b8306f81c1a5f2a9 avia-slideshow-featured av_slideshow_full avia-slide-slider av-slideshow-ui av-control-default av-slideshow-manual av-loop-once av-loop-manual-endless av-default-height-applied   avia-slideshow-1' data-slideshow-options=\"{&quot;animation&quot;:&quot;slide&quot;,&quot;autoplay&quot;:false,&quot;loop_autoplay&quot;:&quot;once&quot;,&quot;interval&quot;:5,&quot;loop_manual&quot;:&quot;manual-endless&quot;,&quot;autoplay_stopper&quot;:false,&quot;noNavigation&quot;:false,&quot;bg_slider&quot;:false,&quot;keep_padding&quot;:false,&quot;hoverpause&quot;:false,&quot;show_slide_delay&quot;:0}\"  itemprop=\"image\" itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/ImageObject\" ><ul class='avia-slideshow-inner ' style='padding-bottom: 28.666666666667%;'><li  class='avia-slideshow-slide av-lqh86p0n-1d2e615afaad1872b8306f81c1a5f2a9__0  av-single-slide slide-1 slide-odd'><div data-rel='slideshow-1' class='avia-slide-wrap '   ><img decoding=\"async\" fetchpriority=\"high\" class=\"wp-image-342 avia-img-lazy-loading-not-342\"  src=\"https:\/\/chrisrogersforassembly.com\/wp-content\/uploads\/2024\/01\/rogers_email_banner_5-1500x430.jpg\" width=\"1500\" height=\"430\" title='Chris Rogers for State Assembly' alt=''  itemprop=\"thumbnailUrl\"   \/><\/div><\/li><\/ul><\/div><\/div>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-ey075-dfaccccb3307fbc685f4ada58327bf4a\">\n.avia-section.av-ey075-dfaccccb3307fbc685f4ada58327bf4a{\nbackground-color:#f2f2f2;\nbackground-image:unset;\n}\n<\/style>\n<div id='av_section_1'  class='avia-section av-ey075-dfaccccb3307fbc685f4ada58327bf4a main_color avia-section-default avia-no-border-styling  avia-builder-el-1  el_after_av_slideshow_full  avia-builder-el-last  avia-bg-style-scroll container_wrap fullsize'  ><div class='container av-section-cont-open' ><div class='template-page content  av-content-full alpha units'><div class='post-entry post-entry-type-page post-entry-185'><div class='entry-content-wrapper clearfix'>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-8q6bt-41f1bda02609e67158fc4b17af7f0bdb\">\n#top .flex_column.av-8q6bt-41f1bda02609e67158fc4b17af7f0bdb{\nmargin-top:0px;\nmargin-bottom:0px;\n}\n.responsive #top #wrap_all .flex_column.av-8q6bt-41f1bda02609e67158fc4b17af7f0bdb{\nmargin-top:0px;\nmargin-bottom:0px;\n}\n<\/style>\n<div  class='flex_column av-8q6bt-41f1bda02609e67158fc4b17af7f0bdb av_one_full  avia-builder-el-2  el_before_av_one_half  avia-builder-el-first  first flex_column_div  '     ><style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-lqgzidzl-be96b70d84a1dd039bafc0007670d13c\">\n#top .av-special-heading.av-lqgzidzl-be96b70d84a1dd039bafc0007670d13c{\nmargin:0 0 0 0;\npadding-bottom:10px;\n}\nbody .av-special-heading.av-lqgzidzl-be96b70d84a1dd039bafc0007670d13c .av-special-heading-tag .heading-char{\nfont-size:25px;\n}\n#top #wrap_all .av-special-heading.av-lqgzidzl-be96b70d84a1dd039bafc0007670d13c .av-special-heading-tag{\npadding:0 0 0 0;\n}\n.av-special-heading.av-lqgzidzl-be96b70d84a1dd039bafc0007670d13c .av-subheading{\nfont-size:15px;\n}\n<\/style>\n<div  class='av-special-heading av-lqgzidzl-be96b70d84a1dd039bafc0007670d13c av-special-heading-h1 blockquote modern-quote  avia-builder-el-3  avia-builder-el-no-sibling '><h1 class='av-special-heading-tag'  itemprop=\"headline\"  >Chris Rogers On The Issues<\/h1><div class=\"special-heading-border\"><div class=\"special-heading-inner-border\"><\/div><\/div><\/div><\/div><div class='flex_column_table av-lqh8295n-8e90ded9790c47cbc098aab687d372b4 sc-av_one_half av-equal-height-column-flextable'>\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-lqh8295n-8e90ded9790c47cbc098aab687d372b4\">\n.flex_column.av-lqh8295n-8e90ded9790c47cbc098aab687d372b4{\nborder-radius:3px 3px 3px 3px;\npadding:25px 25px 10px 25px;\nbackground-color:#ffffff;\n}\n.avia_transform .flex_column.av-lqh8295n-8e90ded9790c47cbc098aab687d372b4{\nanimation-duration:0.5s;\n}\n<\/style>\n<div  class='flex_column av-lqh8295n-8e90ded9790c47cbc098aab687d372b4 av_one_half  avia-builder-el-4  el_after_av_one_full  el_before_av_one_half  first flex_column_table_cell av-equal-height-column av-align-top av-animated-generic fade-in  column-top-margin'     ><p>\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-ls7tcbtn-c4655875e3563b4cef6d54141e7ff461\">\n#top .av-special-heading.av-ls7tcbtn-c4655875e3563b4cef6d54141e7ff461{\nmargin:0 0 0 0;\npadding-bottom:10px;\n}\nbody .av-special-heading.av-ls7tcbtn-c4655875e3563b4cef6d54141e7ff461 .av-special-heading-tag .heading-char{\nfont-size:25px;\n}\n#top #wrap_all .av-special-heading.av-ls7tcbtn-c4655875e3563b4cef6d54141e7ff461 .av-special-heading-tag{\npadding:0 0 0 0;\n}\n.av-special-heading.av-ls7tcbtn-c4655875e3563b4cef6d54141e7ff461 .av-subheading{\nfont-size:15px;\n}\n<\/style>\n<div  class='av-special-heading av-ls7tcbtn-c4655875e3563b4cef6d54141e7ff461 av-special-heading-h2 blockquote modern-quote  avia-builder-el-5  el_before_av_textblock  avia-builder-el-first '><h2 class='av-special-heading-tag'  itemprop=\"headline\"  >Fire and Homeowner\u2019s Insurance<\/h2><div class=\"special-heading-border\"><div class=\"special-heading-inner-border\"><\/div><\/div><\/div><br \/>\n<section  class='av_textblock_section av-lqh82wy8-2ef82d062528dbd6d1eeb6ff7909bcc2 '   itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class='avia_textblock'  itemprop=\"text\" ><p>For Sacramento insiders, the cost of fire insurance may seem like a nuisance. But for the people of the North Coast, it\u2019s a crisis. With many people experiencing six and even ten-times year-over-year premium increases, many families are being forced to choose between groceries and fire insurance &#8211; if they can get it at all. We need to take immediate action to reign in costs both with private insurers and the CA Fair Plan.<\/p>\n<\/div><\/section><\/p><\/div><div class='av-flex-placeholder'><\/div>\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-ls7tpcf5-e7d8e3ca0a1299f5dcc0b9532d0a34d0\">\n.flex_column.av-ls7tpcf5-e7d8e3ca0a1299f5dcc0b9532d0a34d0{\nborder-radius:3px 3px 3px 3px;\npadding:25px 25px 10px 25px;\nbackground-color:#ffffff;\n}\n.avia_transform .flex_column.av-ls7tpcf5-e7d8e3ca0a1299f5dcc0b9532d0a34d0{\nanimation-duration:0.5s;\n}\n<\/style>\n<div  id=\"mobilemarginfix\"  class='flex_column av-ls7tpcf5-e7d8e3ca0a1299f5dcc0b9532d0a34d0 av_one_half  avia-builder-el-7  el_after_av_one_half  el_before_av_one_half  flex_column_table_cell av-equal-height-column av-align-top av-animated-generic fade-in  column-top-margin'     ><p>\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-av_heading-4e624f22247a4c7625f124013ccc916e\">\n#top .av-special-heading.av-av_heading-4e624f22247a4c7625f124013ccc916e{\nmargin:0 0 0 0;\npadding-bottom:10px;\n}\nbody .av-special-heading.av-av_heading-4e624f22247a4c7625f124013ccc916e .av-special-heading-tag .heading-char{\nfont-size:25px;\n}\n#top #wrap_all .av-special-heading.av-av_heading-4e624f22247a4c7625f124013ccc916e .av-special-heading-tag{\npadding:0 0 0 0;\n}\n.av-special-heading.av-av_heading-4e624f22247a4c7625f124013ccc916e .av-subheading{\nfont-size:15px;\n}\n<\/style>\n<div  class='av-special-heading av-av_heading-4e624f22247a4c7625f124013ccc916e av-special-heading-h2 blockquote modern-quote  avia-builder-el-8  el_before_av_textblock  avia-builder-el-first '><h2 class='av-special-heading-tag'  itemprop=\"headline\"  >Climate Change<\/h2><div class=\"special-heading-border\"><div class=\"special-heading-inner-border\"><\/div><\/div><\/div><br \/>\n<section  class='av_textblock_section av-ym9vt-2b284cfc75b7a3db2b6cad8aade84701 '   itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class='avia_textblock'  itemprop=\"text\" ><p>The North Coast has felt the sting of climate change. Between sea-level rise, increasing average temperatures, and catastrophic wildfires, our communities have been some of the first to experience the full brunt of a changing world. But addressing climate change goes well beyond only adapting and protecting our communities from its worst impacts. With our forests and grasslands serving as massive carbon sinks, and the natural resources to generate nearly unbound renewable energy, the North Coast is also primed to be an important part of the solution.<\/p>\n<\/div><\/section><\/p><\/div><\/div><!--close column table wrapper. Autoclose: 1 --><div class='flex_column_table av-ls7tn33c-38611d841391a67eb06aeba9e013b9b4 sc-av_one_half av-equal-height-column-flextable'>\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-ls7tn33c-38611d841391a67eb06aeba9e013b9b4\">\n.flex_column.av-ls7tn33c-38611d841391a67eb06aeba9e013b9b4{\nborder-radius:3px 3px 3px 3px;\npadding:25px 25px 10px 25px;\nbackground-color:#ffffff;\n}\n.avia_transform .flex_column.av-ls7tn33c-38611d841391a67eb06aeba9e013b9b4{\nanimation-duration:0.5s;\n}\n<\/style>\n<div  class='flex_column av-ls7tn33c-38611d841391a67eb06aeba9e013b9b4 av_one_half  avia-builder-el-10  el_after_av_one_half  el_before_av_one_half  first flex_column_table_cell av-equal-height-column av-align-top av-animated-generic fade-in  column-top-margin'     ><p>\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-av_heading-d7db65911c351b9181c9a945b211186f\">\n#top .av-special-heading.av-av_heading-d7db65911c351b9181c9a945b211186f{\nmargin:0 0 0 0;\npadding-bottom:10px;\n}\nbody .av-special-heading.av-av_heading-d7db65911c351b9181c9a945b211186f .av-special-heading-tag .heading-char{\nfont-size:25px;\n}\n#top #wrap_all .av-special-heading.av-av_heading-d7db65911c351b9181c9a945b211186f .av-special-heading-tag{\npadding:0 0 0 0;\n}\n.av-special-heading.av-av_heading-d7db65911c351b9181c9a945b211186f .av-subheading{\nfont-size:15px;\n}\n<\/style>\n<div  class='av-special-heading av-av_heading-d7db65911c351b9181c9a945b211186f av-special-heading-h2 blockquote modern-quote  avia-builder-el-11  el_before_av_textblock  avia-builder-el-first '><h2 class='av-special-heading-tag'  itemprop=\"headline\"  >Rural Hospitals and Universal Healthcare<\/h2><div class=\"special-heading-border\"><div class=\"special-heading-inner-border\"><\/div><\/div><\/div><br \/>\n<section  class='av_textblock_section av-7ia2x-f38290d38906467bda9bd70cbde8e8bc '   itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class='avia_textblock'  itemprop=\"text\" ><p>Healthcare is a human right. In the world&#8217;s fifth largest economy, we can switch to universal, single-payer health care &#8211; but we have to be bold enough to stand up to private insurers like Blue Shield. Universal healthcare also means making sure that rural communities have local access to the care they need, including reproductive health. We need to invest in not only maintaining but expanding rural healthcare and hospital access throughout the district.<\/p>\n<\/div><\/section><\/p><\/div><div class='av-flex-placeholder'><\/div>\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-ls7tphdl-6c671c090e753c550d9d4149a50f06d1\">\n.flex_column.av-ls7tphdl-6c671c090e753c550d9d4149a50f06d1{\nborder-radius:3px 3px 3px 3px;\npadding:25px 25px 10px 25px;\nbackground-color:#ffffff;\n}\n.avia_transform .flex_column.av-ls7tphdl-6c671c090e753c550d9d4149a50f06d1{\nanimation-duration:0.5s;\n}\n<\/style>\n<div  id=\"mobilemarginfix\"  class='flex_column av-ls7tphdl-6c671c090e753c550d9d4149a50f06d1 av_one_half  avia-builder-el-13  el_after_av_one_half  el_before_av_one_half  flex_column_table_cell av-equal-height-column av-align-top av-animated-generic fade-in  column-top-margin'     ><p>\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-av_heading-6491947b3fd15d08727f08d1a969e76c\">\n#top .av-special-heading.av-av_heading-6491947b3fd15d08727f08d1a969e76c{\nmargin:0 0 0 0;\npadding-bottom:10px;\n}\nbody .av-special-heading.av-av_heading-6491947b3fd15d08727f08d1a969e76c .av-special-heading-tag .heading-char{\nfont-size:25px;\n}\n#top #wrap_all .av-special-heading.av-av_heading-6491947b3fd15d08727f08d1a969e76c .av-special-heading-tag{\npadding:0 0 0 0;\n}\n.av-special-heading.av-av_heading-6491947b3fd15d08727f08d1a969e76c .av-subheading{\nfont-size:15px;\n}\n<\/style>\n<div  class='av-special-heading av-av_heading-6491947b3fd15d08727f08d1a969e76c av-special-heading-h2 blockquote modern-quote  avia-builder-el-14  el_before_av_textblock  avia-builder-el-first '><h2 class='av-special-heading-tag'  itemprop=\"headline\"  >A Modern and Equitable Rural Economy<\/h2><div class=\"special-heading-border\"><div class=\"special-heading-inner-border\"><\/div><\/div><\/div><br \/>\n<section  class='av_textblock_section av-ls7s7006-2bad7fa258341991649da40d1c08def8 '   itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class='avia_textblock'  itemprop=\"text\" ><p>In the last decade, the community economies of the North Coast have been hit hard. Between increasing cost of living and decreasing opportunity, it\u2019s harder and harder to get by. Our communities need opportunity, and they need investment. We must continue to foster sustainable agricultural and natural-resource economies while investing in the green electrical and broadband infrastructure essential to the North Coast\u2019s participation in the economy of the future.<\/p>\n<\/div><\/section><\/p><\/div><\/div><!--close column table wrapper. Autoclose: 1 --><div class='flex_column_table av-ls7tmyz8-a08d0c5549444bafffdf15fd706650af sc-av_one_half av-equal-height-column-flextable'>\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-ls7tmyz8-a08d0c5549444bafffdf15fd706650af\">\n.flex_column.av-ls7tmyz8-a08d0c5549444bafffdf15fd706650af{\nborder-radius:3px 3px 3px 3px;\npadding:25px 25px 10px 25px;\nbackground-color:#ffffff;\n}\n.avia_transform .flex_column.av-ls7tmyz8-a08d0c5549444bafffdf15fd706650af{\nanimation-duration:0.5s;\n}\n<\/style>\n<div  id=\"mobilemarginfix\"  class='flex_column av-ls7tmyz8-a08d0c5549444bafffdf15fd706650af av_one_half  avia-builder-el-16  el_after_av_one_half  el_before_av_one_half  first flex_column_table_cell av-equal-height-column av-align-top av-animated-generic fade-in  column-top-margin'     ><p>\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-av_heading-5612e812a24d93293117e84081ab90ea\">\n#top .av-special-heading.av-av_heading-5612e812a24d93293117e84081ab90ea{\nmargin:0 0 0 0;\npadding-bottom:10px;\n}\nbody .av-special-heading.av-av_heading-5612e812a24d93293117e84081ab90ea .av-special-heading-tag .heading-char{\nfont-size:25px;\n}\n#top #wrap_all .av-special-heading.av-av_heading-5612e812a24d93293117e84081ab90ea .av-special-heading-tag{\npadding:0 0 0 0;\n}\n.av-special-heading.av-av_heading-5612e812a24d93293117e84081ab90ea .av-subheading{\nfont-size:15px;\n}\n<\/style>\n<div  class='av-special-heading av-av_heading-5612e812a24d93293117e84081ab90ea av-special-heading-h2 blockquote modern-quote  avia-builder-el-17  el_before_av_textblock  avia-builder-el-first '><h2 class='av-special-heading-tag'  itemprop=\"headline\"  >Housing and Homelessness<\/h2><div class=\"special-heading-border\"><div class=\"special-heading-inner-border\"><\/div><\/div><\/div><br \/>\n<section  class='av_textblock_section av-ls7s7eeu-9694417c430942a6d94ff59e03831b67 '   itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class='avia_textblock'  itemprop=\"text\" ><p>The first step to reducing homelessness has to be reducing the housing shortage. Too many of our friends and neighbors are just a missed paycheck, or medical emergency, away from not being able to make rent. Further, programs like Fort Bragg\u2019s Care Response Unit and Santa Rosa\u2019s InResponse provide the links to services that the chronically homeless need to be able to begin stabilizing and reentering the community.<\/p>\n<\/div><\/section><\/p><\/div><div class='av-flex-placeholder'><\/div>\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-ls7tpm5x-401b9aa126a923f1881a5c5345737000\">\n.flex_column.av-ls7tpm5x-401b9aa126a923f1881a5c5345737000{\nborder-radius:3px 3px 3px 3px;\npadding:25px 25px 10px 25px;\nbackground-color:#ffffff;\n}\n.avia_transform .flex_column.av-ls7tpm5x-401b9aa126a923f1881a5c5345737000{\nanimation-duration:0.5s;\n}\n<\/style>\n<div  id=\"mobilemarginfix\"  class='flex_column av-ls7tpm5x-401b9aa126a923f1881a5c5345737000 av_one_half  avia-builder-el-19  el_after_av_one_half  avia-builder-el-last  flex_column_table_cell av-equal-height-column av-align-top av-animated-generic fade-in  column-top-margin'     ><p>\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-ls7tdhls-d3cdc489ac0e001bd7a219c1cc62765c\">\n#top .av-special-heading.av-ls7tdhls-d3cdc489ac0e001bd7a219c1cc62765c{\nmargin:0 0 0 0;\npadding-bottom:10px;\n}\nbody .av-special-heading.av-ls7tdhls-d3cdc489ac0e001bd7a219c1cc62765c .av-special-heading-tag .heading-char{\nfont-size:25px;\n}\n#top #wrap_all .av-special-heading.av-ls7tdhls-d3cdc489ac0e001bd7a219c1cc62765c .av-special-heading-tag{\npadding:0 0 0 0;\n}\n.av-special-heading.av-ls7tdhls-d3cdc489ac0e001bd7a219c1cc62765c .av-subheading{\nfont-size:15px;\n}\n<\/style>\n<div  class='av-special-heading av-ls7tdhls-d3cdc489ac0e001bd7a219c1cc62765c av-special-heading-h2 blockquote modern-quote  avia-builder-el-20  el_before_av_textblock  avia-builder-el-first '><h2 class='av-special-heading-tag'  itemprop=\"headline\"  >Holding PG&#038;E Accountable<\/h2><div class=\"special-heading-border\"><div class=\"special-heading-inner-border\"><\/div><\/div><\/div><br \/>\n<section  class='av_textblock_section av-ls7s7ug4-dd5453338d84c0f19698826766830a96 '   itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class='avia_textblock'  itemprop=\"text\" ><p>After their recent rate hikes, PG&amp;E is now the most expensive utility provider in the nation. And while they prepare to resume paying dividends to their investors, it\u2019s ratepayers that end up on the hook for their lack of investment in their own infrastructure. We need legislators in Sacramento who will hold PG&amp;E accountable and ensure that the California Public Utilities Commission starts advocating for the needs of the North Coast\u2019s working families.<\/p>\n<\/div><\/section><\/p><\/div><\/div><!--close column table wrapper. Autoclose: 1 -->\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":3,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Issues - Chris Rogers for Assembly<\/title>\n<meta name=\"description\" content=\"For Sacramento insiders, the cost of fire insurance may seem like a nuisance. But for the people of the North Coast, it\u2019s a crisis. With many people experiencing six and even ten-times year-over-year premium increases, many families are being forced to choose between groceries and fire insurance \u2013 if they can get it at all. We need to take immediate action to reign in costs both with private insurers and the CA Fair Plan.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/chrisrogersforassembly.com\/issues\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Issues - Chris Rogers for Assembly\" \/>\n<meta property=\"og:description\" content=\"For Sacramento insiders, the cost of fire insurance may seem like a nuisance. But for the people of the North Coast, it\u2019s a crisis. With many people experiencing six and even ten-times year-over-year premium increases, many families are being forced to choose between groceries and fire insurance \u2013 if they can get it at all. 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