Unlike other states, California does not let insurance companies consider current or future risks when deciding how much to charge for an insurance policy. Instead, they can only consider what’s happened on a property in the past to set the price. <-- 原來他們本來就有這種會讓保險公司吃屎的法律XD 簡單說,假如這間房子以前都沒發生啥事,那保險費率就會低,但假如這時候屋主或房客換人,比方說換成啥貴族或毒蟲之類的,並不能因此漲保費喔XD