The state’s landlords see rising insurance costs, so they say they’re going to have to raise rents. But they complain about laws that limit how much they can do so.

A proposal to fix California’s insurance crisis would require the insurance department to process requests from insurers more quickly. But that could end with a lot of rate increases for consumers.

Insurance Commissioner Ricardo Lara unveiled a plan to shore up the California insurance market for homeowners, in which insurers would return to wildfire zones, but would have an easier path to rate increases.