DDG, the well-known American rapper and YouTuber, recently opened up about the possibility of facing significant financial setbacks due to not having fire insurance on his Los Angeles mansion. His revelation comes as devastating wildfires continue to ravage the LA area, destroying numerous properties in their path.
During a live stream, DDG shared his concerns about the escalating situation. He pointed out that the fires had reached affluent neighborhoods like Pacific Palisades—something he found surprising given their coastal location. Speculating on the cause of some fires, he said,
“I might be wrong, but ya’ll know what happens when houses burn down, right? People file insurance claims.”
The wildfires have proven to be especially catastrophic. As of midday on January 8, 2025, the fire in Pacific Palisades alone had scorched around 15,000 acres and destroyed 1,000 structures. For homeowners like DDG, the lack of proper fire insurance could mean bearing the full brunt of these losses.
The insurance crisis has crept up incrementally in California. Major insurers, including State Farm, have been canceling several thousand policies in Los Angeles County and the suburban enclaves of Santa Monica, Calabasas, and Pacific Palisades. Just this week, State Farm announced that it would no longer cover 72,000 homes and apartments across the state and would no longer accept new homeowner’s insurance applications.
The government has implemented the FAIR (Fair Access to Insurance Requirements) Plan in California, which provides insurance coverage to those who are unable to get private insurance. The issue with these plans is that they usually have higher premiums and less coverage than traditional insurance options.
The DDG disaster reflects a much greater problem: the need for comprehensive insurance coverage, especially among those who have houses in regions vulnerable to disasters of any kind. Recent wildfires are a harsh reminder of the financial risks not having good enough insurance coverage poses.
