California homeowners will feel the effects of this week's fires regardless of where they live.Justin Sullivan/Getty ImagesCalifornia was already in the midst of an insurance crisis before this week's fires.Major insurers dropped property policies for residents, including in Pacific Palisades.Experts predict premiums will continue to rise for the whole region and it may get harder to secure a loan.Even before this week's wildfires in Los Angeles County, California was in the midst of an insurance crisis spurred by the threat of intensifying wildfires and other extreme weather events.Since 2022, major insurance companies have either stopped writing new policies, pulled back coverage, or dropped residents altogether.