State Farm — already under pressure in California — took another blow to its loss ratios in a state where it had barely stabilized. And for California homeowners watching their insurance costs and coverage options shrink, the technology being deployed right now may matter more than any rate filing the Department of Insurance reviews this year. That is the mechanism that could eventually stabilize California homeowners insurance rates. What California Homeowners Can Do Right NowThe satellites and drones do not protect a home the way defensible space does. Both matter — and for California homeowners trying to hold onto affordable coverage in a market that keeps contracting, doing both is not optional anymore.