Los Gatos resident Rob Stump never knows when he might get that dreaded insurance company call. Stump, who lives in a home nestled along one-way winding roads in the tree-covered Los Gatos hillside, needs wildfire protection \u2014 but he doesn\u2019t know if State Farm will renew his coverage next year as major insurers abandon California. Stump\u2019s insurance, which costs about $2,055 a year, expires in November. His policy will likely be one of the more than 1,200 in the Los Gatos area and 30,000 statewide that State Farm won\u2019t renew. That\u2019s unless state legislation allows it to raise rates in…<\/p>\n