The average cost of homeowners insurance in California is $1,250 per year. For comparison, the national average is $1,915. https://www.nerdwallet.com/article/insurance/california-home-insurance#:~:text=The%20average%20cost%20of%20homeowners,average%20is%20%241%2C915%20per%20year.
Homeowners insurance in Florida typically costs between $1,700 and $2,700 per year, per one study. https://www.usnews.com/insurance/homeowners-insurance/local/florida#:~:text=Homeowners%20insurance%20in%20Florida%20typically,year%2C%20based%20on%20our%20study.
And we don't have the issues with finding doctors, at least not in Southern California. Doctors love living here, so there's plenty of them, lol.
The worst thing about California is the high cost of housing. We are a victim of our own success. Everyone wants to live here, especially the rich, and that has driven up our housing prices, especially in our beautiful coastal areas. The median sale price of a home in Orange County where I live was $1.1M last month, up 15.8% since last year. THAT is what is driving working people out of California.