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Two large companies say they are pulling back from providing insurance coverage for homes in the U.S. state of California.
两家大公司表示，他们将停止为美国加利福尼亚州的房屋提供保险。
The companies said increasing wildfire risk and building costs have caused them to stop writing new insurance policies in America's most populous state.
这两家公司表示，不断增加的野火风险和建筑成本导致他们停止在美国人口最多的州接收新的保险单。
Last week, State Farm announced it would stop accepting new policies for business and personal property and casualty insurance.
上周，美国州立农业保险公司宣布将停止接受商业和个人财产及意外伤害保险的新保单。
State Farm blamed inflation, a difficult reinsurance market and "growing catastrophe exposure."
美国州立农业保险公司将其归咎于通胀、艰难的再保险市场以及“日益增大的巨灾风险敞口”。
The decision did not affect personal car insurance.
这一决定对个人车险没有影响。
"We take seriously our responsibility to manage risk," State Farm said.
美国州立农业保险公司说：“我们认真履行管理风险的责任”。
"It's necessary to take these actions now to improve the company's financial strength."
“现在有必要采取这些措施来改善公司的财务实力。”
Allstate is the other major insurance company pulling back.
美国好事达保险公司是另一家退出的大型保险公司。
The company announced in November that it would suspend new homeowners', condominium, and business insurance policies in California.
该公司去年11月宣布，其将暂停接收加州新房主、公寓和商业保险单。
It said the move was to protect current customers.
该公司表示，此举是为了保护现有客户。
"The cost to insure new home customers in California is far higher than the price they would pay for policies due to wildfires, higher costs for repairing homes and higher reinsurance premiums," Allstate said in a statement.
好事达在一份声明中表示：“由于野火、房屋维修成本和再保险保费上涨，加州新房客户的保险费用远远高于他们购买保单的价格。”
Reinsurance is a method for reducing financial risk in the insurance industry.
再保险是保险业降低财务风险的一种方法。
The problems in California's insurance market are similar to ones across the country.
加州保险市场的问题与全国各地的问题相似。
Insurance companies are increasing prices, limiting coverage, or pulling out completely from areas likely to have wildfires or other natural disasters.
保险公司正在提高价格，限制承保范围，或者完全退出可能会发生野火或其他自然灾害的地区。
Florida and Louisiana have struggled to keep healthy insurance markets following major damage from hurricanes.
在飓风造成重大破坏后，佛罗里达州和路易斯安那州一直在努力维持健康的保险市场。
Costs are rising in Colorado because of wildfire threats.
由于野火威胁，科罗拉多州的价格正在上升。
In Oregon, state forestry officials withdrew a map of wildfire risk.
在俄勒冈州，州林业官员撤回了一张野火风险地图。
Homeowners noted the map would cause their insurance costs to increase sharply.
房主们指出，这张地图将会导致他们的保险费用大幅增加。
California has experienced large fires that have been the costliest in state history.
加州经历了该州历史上代价最高的大火。
Some California homeowners already are going without insurance.
加州的一些房主已经没有保险了。
A state-run insurance program could face pressure as enrollments increase.
随着参保人数的增加，国有保险计划可能会面临压力。
The California Fair Access to Insurance Requirements Plan provides basic fire insurance coverage for properties in risky areas that companies will not insure.
加州公平获取保险要求计划为公司不投保的高风险地区的财产提供基本的火灾保险。
Enrollment increased in recent years to 272,846 homes in 2022.
近年来，参保人数增加到2022年的272846户。
"We just don't have a stable insurance market," said state Senator Bill Dodd.
州参议员比尔·多德说：“我们没有一个稳定的保险市场”。
He said many people in the area he represents are going without insurance.
他说，他所代表的地区的许多人都没有保险。
The Insurance Information Institute, an industry group, said California has more than 1.2 million homes with wildfire risk.
行业组织保险信息研究所表示，加州有超过120万户家庭存在野火风险。
That is far more than any other state in the country.
这远远超过了美国其他任何一个州。
"The number of acres burned in California has grown steadily in recent years, as more people are moving into fire-prone areas of the state," the institute said in a statement.
该研究所在一份声明中说：“随着越来越多的人搬到加州易发火灾的地区，加州被烧毁的土地面积近年来稳步增长。”
"More homes in harm's way...leads to increased insured losses," the statement added.
该研究所在这份声明中还说：“更多的房屋处于危险之中……导致保险损失增加”。
I'm John Russell.
约翰·拉塞尔为您播报。
译文为可可英语翻译，未经授权请勿转载！
