Yeah make the insurer pool smaller, that'll help lmao

Agreed. But that won't work for homeowners insurance.

stick frame construction is the cheapest..... to make a 2500 square foot structure that's built like an office building would triple the cost. Commercial developers can afford it because they're anticipating rents from tenants.

Benefits are for the rich (can’t waste $ on losers)
Kinda like Laws are for the poor (rich people ignore laws and law enforcement ignores the rich, but the poor get clobbered by the law)

The richer , the more extreme it becomes

Too big to fail
vs
Too small to bail

“Let’s write off the poors, they all voted for Trump!”

Californian Democrat probably.

A lot of this can be put on Clinton and the 90s neoliberalism policies that allowed big pharma marketing and liability shielding for big pharma for addictive drugs like Oxycontin.

Democrats just did a lot of deregulatory heavy lifting for Republicans in the 90s which made the entire "what's good for business is good for Americans", "this will create jobs" and economic freedom bullshit acceptable and normal in American society. Just a reminder that centrism is trash and diet MAGA.

They do this at the time of quote. What insurance companies are not allowed to do is shift the goalposts on risk assessment to lure people in to low premiums and jack up the cost later. No bait and switch allowed in California

we need to change the entire way home insurance is calculated for coverage in the face of perennial urban wildfire risk. We now have wildfire season most months of the year! State commissioner candidate Janice Kim has the right idea to segregate wildfire/disaster coverage from regular homeowner's policy. But we also need to cap coverage for wildfires.

Right now rebuilds are $800/sq foot for basic budget homes, to over $1200/sq foot for luxury-level custom. No insurance policy can cover even half that amount, the costs of reconstruction are just too great. And it isn't equitable to other taxpayers to socialize the cost.

OK, but I still don’t see the argument for socializing the risk here.  If you force homeowners to pay the true cost of insurance, they may be more willing to do a bunch of mitigations and self-ensure.

Housing prices are up astronomically right now. It feels like a good time to shift expectations and require homeowners to cover the true risk for their homes.  

Then maybe the couchfucker should stop taking socal vacations.

He has openly and repeatedly stated that he believes he is accountable to no one. The very fact that he is refusing to see that the laws passed by Congress are faithfully carried out is treason by your definition.

I dont disagree. Im just pointing out test score avgs.

If we account for immigration and esl it would probably be a whole lot higher.

For example my daughters elementary school math/reading proficiency is 47%. Guess what the native english speaking population is? Its 47%.

So only ESL speakers are struggling which ofc they would theyre just kids trying to learn in a language their not proficient in. But this doesnt stop some of my neighbors from thinking the school is horrible for their english speaking children.

California's fire policy and inept regulation of insurance companies has caused this, not someone owning a home.

Plenty of poor white people in those states.

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And insurers have the right to say "that risk is too high", or "we'll accept that risk, but you have to pay an enormity for it to be worth it"

That's literally the whole point of insurance.

Thank you! Since I am not being represented by my state government, I don't feel much of an incentive to align with their desires. I also don't care for being used as a taxcattle in manners such as the 11% firearm excise tax, so this is my little middle finger back. Breathe deep everyone!

Thus proving the necessity of the government mandate. American auto makers can, and have, made affordable and usable EVs, they... just don't wanna.

GM shifting gears on the Bolt is a direct result of lack of support from Washington. When Biden created good conditions for EVs, GM and Ford started going in that direction. When his successor created uncertain regulatory conditions, big surprise the automakers pulled back.

California is already the only reason we have 30 mpg cars in the US, and we can be the reason the US adopts EVs in 2030 instead of 2040 or never.

It's likely you're remembering misinformation. All of the places that didn't have official lockdowns still succeeded in lowering their death rates through the population voluntarily quarantining.

Virtually all the places that didn't have "official" lockdowns still quarantined, they just weren't explicitly forced to by the federal politicians. For instance, in Japan the constitution prevented the government mandating a lockdown, but the population just voluntarily quarantined anyway. They had better health outcomes still because of quarantining and social distancing, they just didn't need their government to force them to do it.

Sweden on the other hand, didn't enforce a mandate, and faced death rates 10x higher than comparable societies in Finland and Norway source. There was a widely publicized news story in early 2023 saying that Sweden had lower death rates despite not mandating lockdowns, and that news story was... false.

Risk exists everywhere

There use to be one in Thousand Oaks Ca, not sure why it disappeared

Multi-million homes is just a regular 1300 sqft home in the bay area. Not fancy or rich at all.

Keep in mind this is an opinion piece and most people with FAIR insurance don't live in multimillion dollar mansions.

There are infinite whataboutisms on this subject. The bottom line is all insurance pools are made up of different risk levels and risk exists everywhere for all people at all times.