Should Californians have a right to housing enshrined in the state constitution? Well, a bill to do just that just passed its first legislative hurdle in Sacramento. Reporter: Vanessa Rancaño, KQED   Many people living in wildfire-prone areas of California were already struggling with home insurance before the news that Allstate and State Farm would stop writing new policies. So for those who've lost homes to fire, how does this change their financial calculus? Reporter: Danielle Venton, KQED Learn more about your ad choices. Visit megaphone.fm/adchoices