Buying Home and Auto Insurance Is Becoming Expensive

The California part makes sense to me because of fires, but this sentence about Texas seems super vague to me. There aren’t any new natural disasters in TX, why does increased migration from CA affect insurance rates in TX?

Just another reason not to sell the house and not to buy a new car.

For auto insurance, at least in some states, I suppose people will have to start thinking about minimum liability (? I may have the wrong word) coverage and just save money to cover damages. For the folks in cities, desperate to get people out of cars, seems like an opportunity to push harder for more transit options.

I suppose it also means it’s time for drivers to add more protection from uninsured drivers.