Property taxes and insurance go up pretty much every year.
Half of American renters are cost burdened, for example.
https://news.ycombinator.com/item?id=43119657
(own my primary US residence free and clear, my housing savings goes into investments, which grow faster than inflation)
This is done to allow people to age in place, and not price someone out of a neighborhood they’ve live in all their life.
some parts of california have been affected by insurers more than others, but in those more minimally affected? prop tax is suppressed via prop 13 (for better or worse), and the cost of insurance is a drop in the bucket relative to what id be paying for a roof over my head otherwise tbh