Bet They Are Celebrating at State Farm Insurance

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I'm reminded of when the Santa Fe rocket scientists limited us in uniformed NMSP to 100 miles per day in the 5th largest state in the US in the '80s. Guess what resulted?

I can imagine. I had family in NM, and went there a few times as a kid in the 70's. It was like going to a different planet. So different from PA. Just miles and miles of road.
 
My son lives in Riverside CA - about 60 miles north north/east of LA. I worry about him and his family long term. The state has double or triple the population that a desert climate can support IMHO. Something's gotta give.

When we visit I always kid him about the river. As in where is it son? It's basically just a dry river bed now.

Sure we've seen Hollywood and other places in LA. I've been to Big Sur, LA, San Francisco, San Diego and Sacramento. Seen the Dodgers play the Padres. All very interesting.

Back in 1968 I was stationed at the language school in Monterey so I have sort of a time line of memories and impressions in my mind about the state, which have helped form my feelings about California.

To sum it all up, I enjoy flying out to California now and again to see family but by God you could not pay me enough to live there.

I sure hope he will move, at least when he retires.
 
The winds picked up here in Vegas again this afternoon. The the way the Santa Ana usually works means that our wind will soon be their wind. Could be a rough night.
 
My wife and I each drive 5-6K miles a year. Never had a claim on homeowner insurance. State Farm charges about $675/mo for both, with "bundle discounts." I can't stand them being any kinder to us. Joe

I've never had an insurance claim...period. Nevertheless, every few years I check to see if I could get a better rate.

I talked to an insurance agent that supposedly had access to ALL companies. He suggested that State Farm was the cheapest. His quote came out to MORE THAN DOUBLE my current premium, for inferior coverage.

$675 a MONTH.....wholly mackeral. That's what I pay for a YEAR. Must be more to it.
 
Jem102 I don’t even know where to start with that rant. Lots of hyperbole. Lots of opinion. Not so sure about facts.
 
The other thing is they don't arbitrary change your original policy - my sister and her husband bought the original homeowners policy in the late 90s; SF doesn't offer those policies now and hasn't for a decade. As long as they don't let it lapse, they are fixed up.

They can get cheaper insurance, but not at all with the same deductibles, coverages, etc. When you live in hurricane country, coverage matters.

I dont need cheap insurance, and hope they pay, SF has a track record with me, period.
 
Voters

I hate to sound cruel, but I have no sympathy for the fire victims. They elected the Green Weenies who drained reservoirs, saved snail darters, and won't allow brush (tinder & kindling) clearance, or else didn't move in the face of decades of Green Weenyness. They have massive cognitive dissonance, and the whole thing is a needless tragedy.

I doubt the majority of voters that voted Khmer Red owned any property. or for that matter believe in responsibility. I heard Kamala's property may be in jeopardy.
 
Most times switching carriers for a lower premium will have you back where you are in a year. I know, shop around.

Truth is, there is enough money/resources in this country for it to be "self-insured." That would mean liquidating a whole industry except for some fraud investigators.

Then again, Harvard has enough in it's "endowment" ($30-50 Billion) to give every applicant a full boat ride for undergrad through graduate level. Yeah, they ain't doing it either. Joe
 
I assume Lake Mead will counted on more than ever this year.

Right now the level is better than 18 months ago. Of course, if our drought continues, we may be back in straits again soon enough. We have not had measurable rain in the Vegas valley since July. How the Rockies do for snow is more important, but with the whole of the SW in a similar situation, you know that a lot of the water coming downhill will be absorbed or evaporate long before it reaches Lake Mead.
 
I believe he’s saying “elections have consequences”. How smart is it to cut the Fire Department’s budget (no matter where you live but especially in areas threatened by wildfire)? Their state government has plenty of money but they waste it and now the chickens are coming home to roost.

This is sad but predictable.

Correct! Sympathies aside. If the truth behind messes such as this are allowed to be hidden and not screamed over a megaphone,then the people lose! Nice is nice on a bumper sticker but real life survival requires grit.
 
The winds picked up here in Vegas again this afternoon. The the way the Santa Ana usually works means that our wind will soon be their wind. Could be a rough night.

Forecasts are indicating more Santa Ana winds coming next week.
Not sure if they will be like the 80-100 mph ones we just had, but the 20-30 mph ones are almost as bad.
 
Quote: Now, on the other hand, I would ask them "why do you live there?" I have the same question to those that live in hurricane alley or tornado alley. You knew the risks, but moved there anyway.

I live in tornado alley in Moore, OK and have lived here nearly my whole life. My wife has lived hear her whole life and has 8 rent houses and no Tornado has ever done any damaged to her properties or mine. But there's is a risk, so we have a steel safe room in the house and we are well insured with State Farm along with all our rental properties. A Tornado is the last of my worries.
 
I'm remembering the Hawaiian fires last year and seeing one untouched house in an area of complete devastation. It had a metal roof, exterior made of nonflammable material and no vegetation planted close to the house. I can't help but wonder... are there any special building codes for the materials used in construction in California?
Go on Google Earth and take a street view of the affected areas. Many of them are are in a tinderbox.

John
 
You would think if the trees and vegetation were cut back far enough from the houses and you run your lawn sprinkler system non stop before the fires come that would help. You could even have a large water storage tank (above or underground) and a big pump to spray water all over the roof and sides. Wouldn't be that expensive considering the price of a California house.
 
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