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As someone who *lives* in California Jeordam Send a noteboard - 25/10/2019 04:38:49 PM

And specifically southern California, and someone who is a home owner, I can tell you this.

Don't believe the (anti) hype.

Yes, rates have increased over the last decade. I could spout off the reasons why I think that they have, but what it does come down to is that it has. However with that being said, it is not so outrageously priced that it can't be afforded.

There are some things that make it more risky....
Living near a canyon will increase the cost quickly.
Living in an area with wild/natural vegetation will increase the cost.
Living in an area with trees which are not regularly maintained will increase the cost.
Living in a home that is greater than 7 miles from a Fire Station will increase the cost.

Have a couple of those risk factors...the price will increase, because the likelihood of a total loss is much greater. I live in an expensive state. The taxes are high (average gallon of gas right now where I live....$4.49). Cost of living is aggressive (I have to plan on when to use my electricity, because using it between 4-10pm is almost triple the rate at other times of the day).

I can be done, but sacrifices.....yeah. Gotta have those too.
~Jeordam

ex-Admin at wotmania (all things wot & art galleries)
Saving the Princess, Humanity, or the World-Entire since 1985
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Have y'all seen this? Qatar is air conditioning their open-air markets and stadiums. TyrReborn - 19/10/2019 06:06:47 AM 657 Views
This is nothing new. Qatar has had indoor ski slopes for years. *NM* damookster - 19/10/2019 11:32:07 PM 150 Views
cold air remains low to the ground or something? *NM* Roland00 - 19/10/2019 11:32:28 PM 146 Views
Right, but... surely an enclosed stadium would be more efficient. *NM* TyrReborn - 21/10/2019 10:49:37 PM 144 Views
Well, the city was built... fionwe1987 - 20/10/2019 09:48:37 PM 341 Views
Excuse Me? *NM* Roland00 - 20/10/2019 11:30:28 PM 217 Views
Yeah, I get that people don't want to move. But... TyrReborn - 21/10/2019 10:52:03 PM 267 Views
I think the extravagance is the point *NM* aerocontrols - 21/10/2019 11:51:53 PM 151 Views
Speculating here, but... fionwe1987 - 23/10/2019 09:45:23 PM 311 Views
Why is it always the Gulf Coast that gets complained about when we rebuild? Ghavrel - 23/10/2019 07:50:35 AM 314 Views
huh? aerocontrols - 23/10/2019 12:37:50 PM 286 Views
Re: huh? Ghavrel - 23/10/2019 08:52:29 PM 298 Views
That may simply be because earthquakes are less frequent than hurricanes, especially now *NM* fionwe1987 - 23/10/2019 09:46:47 PM 144 Views
They're less frequent, but we know where they're going to happen. Ghavrel - 24/10/2019 04:42:15 AM 300 Views
No one is sneering... fionwe1987 - 24/10/2019 02:05:19 PM 315 Views
You did use the word, idiocy. damookster - 24/10/2019 02:09:45 PM 314 Views
Fair. But I don't mean it at an individual level. I think... fionwe1987 - 24/10/2019 08:46:06 PM 355 Views
Re: huh? aerocontrols - 24/10/2019 06:01:36 PM 297 Views
That means we need to abandon places where millions of people live. Just in the US. Ghavrel - 28/10/2019 02:24:36 AM 338 Views
Please read my 2nd paragraph again aerocontrols - 28/10/2019 04:06:32 PM 262 Views
Aerocontrols do you think Augusta Kansas should not exist? Roland00 - 24/10/2019 05:35:22 AM 275 Views
I think there's an argument to be made aerocontrols - 24/10/2019 05:50:26 PM 274 Views
But the Halloween flood of 98 was not like that Roland00 - 24/10/2019 06:41:28 PM 245 Views
Augusta flooded again last spring. aerocontrols - 24/10/2019 08:24:39 PM 297 Views
A little over sensitive? damookster - 23/10/2019 08:21:39 PM 275 Views
Very. I had enough of people blaming us for Katrina to last a lifetime. *NM* Ghavrel - 23/10/2019 08:53:44 PM 155 Views
to my point, however.... damookster - 23/10/2019 10:27:04 PM 303 Views
I don't really know how that's relevant though. I'm not talking about insurance. Ghavrel - 24/10/2019 04:40:58 AM 296 Views
I guess my point damookster - 24/10/2019 02:03:08 PM 370 Views
Mookie why aren't you using the same logic about the California fires? Roland00 - 24/10/2019 07:53:19 PM 289 Views
because to the best of my knowledge, homeowners insurance in California is not unobtainable damookster - 25/10/2019 03:07:57 AM 300 Views
California Insurance for Fire is becoming a Market Failure Roland00 - 25/10/2019 06:35:28 AM 284 Views
As someone who *lives* in California Jeordam - 25/10/2019 04:38:49 PM 290 Views
Sigh you are missing my point I was saying about Scapegoating Roland00 - 25/10/2019 09:45:48 PM 336 Views
I didn't miss what you said.... Jeordam - 25/10/2019 11:35:23 PM 314 Views
Let me see if we are on the same page here. Roland00 - 26/10/2019 01:08:45 AM 294 Views
*nods* I knew what you were saying. Jeordam - 29/10/2019 09:53:30 PM 288 Views
Are you also calling me oversensitive Damookster for I had the same complaint? Roland00 - 24/10/2019 05:30:59 AM 279 Views
I was teasing Gabe. damookster - 24/10/2019 02:06:17 PM 274 Views
Sorry for misunderstanding Roland00 - 24/10/2019 06:43:36 PM 425 Views
You do realize that all of Qatar is desert? Legolas - 21/10/2019 07:53:24 PM 298 Views
What I was really commenting on is, wouldn't it be more efficient to enclose those areas? TyrReborn - 21/10/2019 10:51:00 PM 314 Views
Probably. For the stadiums, I thought they did do that, not sure about the markets... Legolas - 22/10/2019 05:57:11 PM 263 Views
Most of Antarctica is desert aerocontrols - 21/10/2019 11:51:04 PM 286 Views
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