An easier way to look at it is to simply ask what states you think should have MORE expensive premiums right now and WHY? Imagine if you were opening an insurance company, what would you do -- you cannot charge the same in FL, TX, OK, LA as you do in UT, WI, PA, OR, etc.
There's really no need to make this more complicated than it needs to be. Homeowner's Insurance companies analyze "the risks" that are prevalent in each specific area of the country, and adjust the premiums they charge accordingly,... For CA, it's mostly wildfires and mudslides risk, for FL, it's hurricane, for mid-west, it's tornado, etc. Insurance companies adjust their premiums accordingly to account for these catastrophic events.
0
Quote Originally Posted by Raiders22:
An easier way to look at it is to simply ask what states you think should have MORE expensive premiums right now and WHY? Imagine if you were opening an insurance company, what would you do -- you cannot charge the same in FL, TX, OK, LA as you do in UT, WI, PA, OR, etc.
There's really no need to make this more complicated than it needs to be. Homeowner's Insurance companies analyze "the risks" that are prevalent in each specific area of the country, and adjust the premiums they charge accordingly,... For CA, it's mostly wildfires and mudslides risk, for FL, it's hurricane, for mid-west, it's tornado, etc. Insurance companies adjust their premiums accordingly to account for these catastrophic events.
@DeezyAZ81 No sir. California is one of the cheapest. They are way less risky than Florida or Louisiana. I am considered by many an expert on it. I write on it and speak on it and have for years. I think you are simply mixing up several issues here. If a company decides it is in their best interest to move, they move. If they can make more money in another state, they move. There is nothing DeSantis can do to stop hurricanes. All he can do is repair afterwards and by most accounts does that very well. What would you have him do, EXACTLY, to bring down premiums OR MAKE a company conduct business in his state?
Did Farmer's Insurance issue a statement saying they are leaving the state of Louisiana as well? Same region right and similar risk. What are the home insurance premiums costs differences between the states? I understand that Florida has more residents, but obviously there is more to the decision for Farmer's to leave the state than simply risk because by your estimation Louisiana and Florida share similar risk and are in the same region?? Hmmmm. Almost like there is more to it.
0
Quote Originally Posted by Raiders22:
@DeezyAZ81 No sir. California is one of the cheapest. They are way less risky than Florida or Louisiana. I am considered by many an expert on it. I write on it and speak on it and have for years. I think you are simply mixing up several issues here. If a company decides it is in their best interest to move, they move. If they can make more money in another state, they move. There is nothing DeSantis can do to stop hurricanes. All he can do is repair afterwards and by most accounts does that very well. What would you have him do, EXACTLY, to bring down premiums OR MAKE a company conduct business in his state?
Did Farmer's Insurance issue a statement saying they are leaving the state of Louisiana as well? Same region right and similar risk. What are the home insurance premiums costs differences between the states? I understand that Florida has more residents, but obviously there is more to the decision for Farmer's to leave the state than simply risk because by your estimation Louisiana and Florida share similar risk and are in the same region?? Hmmmm. Almost like there is more to it.
Quote Originally Posted by Raiders22: @DeezyAZ81 No sir. California is one of the cheapest. They are way less risky than Florida or Louisiana. I am considered by many an expert on it. I write on it and speak on it and have for years. I think you are simply mixing up several issues here. If a company decides it is in their best interest to move, they move. If they can make more money in another state, they move. There is nothing DeSantis can do to stop hurricanes. All he can do is repair afterwards and by most accounts does that very well. What would you have him do, EXACTLY, to bring down premiums OR MAKE a company conduct business in his state? You must not pay attention to the concerns and feedback from Florida residents because this is definitely not the case. This illustrates you are by no means an "expert" on this because you are way off. If you cannot see how his social policies and attacks on certain issues impact businesses choosing to leave I cannot really help you.
Tell me very slowly how they impacted the insurance premiums unduly AND what he can do to lower them?
0
Quote Originally Posted by DeezyAZ81:
Quote Originally Posted by Raiders22: @DeezyAZ81 No sir. California is one of the cheapest. They are way less risky than Florida or Louisiana. I am considered by many an expert on it. I write on it and speak on it and have for years. I think you are simply mixing up several issues here. If a company decides it is in their best interest to move, they move. If they can make more money in another state, they move. There is nothing DeSantis can do to stop hurricanes. All he can do is repair afterwards and by most accounts does that very well. What would you have him do, EXACTLY, to bring down premiums OR MAKE a company conduct business in his state? You must not pay attention to the concerns and feedback from Florida residents because this is definitely not the case. This illustrates you are by no means an "expert" on this because you are way off. If you cannot see how his social policies and attacks on certain issues impact businesses choosing to leave I cannot really help you.
Tell me very slowly how they impacted the insurance premiums unduly AND what he can do to lower them?
Quote Originally Posted by Raiders22: An easier way to look at it is to simply ask what states you think should have MORE expensive premiums right now and WHY? Imagine if you were opening an insurance company, what would you do -- you cannot charge the same in FL, TX, OK, LA as you do in UT, WI, PA, OR, etc. There's really no need to make this more complicated than it needs to be. Homeowner's Insurance companies analyze "the risks" that are prevalent in each specific area of the country, and adjust the premiums they charge accordingly,... For CA, it's mostly wildfires and mudslides risk, for FL, it's hurricane, for mid-west, it's tornado, etc. Insurance companies adjust their premiums accordingly to account for these catastrophic events.
Absolutely. The value of the property being insured factors in as well. Home prices have been going up in Florida and more homes are there now.
0
@Rush51
Quote Originally Posted by Rush51:
Quote Originally Posted by Raiders22: An easier way to look at it is to simply ask what states you think should have MORE expensive premiums right now and WHY? Imagine if you were opening an insurance company, what would you do -- you cannot charge the same in FL, TX, OK, LA as you do in UT, WI, PA, OR, etc. There's really no need to make this more complicated than it needs to be. Homeowner's Insurance companies analyze "the risks" that are prevalent in each specific area of the country, and adjust the premiums they charge accordingly,... For CA, it's mostly wildfires and mudslides risk, for FL, it's hurricane, for mid-west, it's tornado, etc. Insurance companies adjust their premiums accordingly to account for these catastrophic events.
Absolutely. The value of the property being insured factors in as well. Home prices have been going up in Florida and more homes are there now.
Quote Originally Posted by Raiders22: @DeezyAZ81 No sir. California is one of the cheapest. They are way less risky than Florida or Louisiana. I am considered by many an expert on it. I write on it and speak on it and have for years. I think you are simply mixing up several issues here. If a company decides it is in their best interest to move, they move. If they can make more money in another state, they move. There is nothing DeSantis can do to stop hurricanes. All he can do is repair afterwards and by most accounts does that very well. What would you have him do, EXACTLY, to bring down premiums OR MAKE a company conduct business in his state? Did Farmer's Insurance issue a statement saying they are leaving the state of Louisiana as well? Same region right and similar risk. What are the home insurance premiums costs differences between the states? I understand that Florida has more residents, but obviously there is more to the decision for Farmer's to leave the state than simply risk because by your estimation Louisiana and Florida share similar risk and are in the same region?? Hmmmm. Almost like there is more to it.
What do you see as the biggest differences between Louisiana and Florida right now?
0
@DeezyAZ81
Quote Originally Posted by DeezyAZ81:
Quote Originally Posted by Raiders22: @DeezyAZ81 No sir. California is one of the cheapest. They are way less risky than Florida or Louisiana. I am considered by many an expert on it. I write on it and speak on it and have for years. I think you are simply mixing up several issues here. If a company decides it is in their best interest to move, they move. If they can make more money in another state, they move. There is nothing DeSantis can do to stop hurricanes. All he can do is repair afterwards and by most accounts does that very well. What would you have him do, EXACTLY, to bring down premiums OR MAKE a company conduct business in his state? Did Farmer's Insurance issue a statement saying they are leaving the state of Louisiana as well? Same region right and similar risk. What are the home insurance premiums costs differences between the states? I understand that Florida has more residents, but obviously there is more to the decision for Farmer's to leave the state than simply risk because by your estimation Louisiana and Florida share similar risk and are in the same region?? Hmmmm. Almost like there is more to it.
What do you see as the biggest differences between Louisiana and Florida right now?
Quote Originally Posted by Raiders22: @DeezyAZ81 No sir. California is one of the cheapest. They are way less risky than Florida or Louisiana. I am considered by many an expert on it. I write on it and speak on it and have for years. I think you are simply mixing up several issues here. If a company decides it is in their best interest to move, they move. If they can make more money in another state, they move. There is nothing DeSantis can do to stop hurricanes. All he can do is repair afterwards and by most accounts does that very well. What would you have him do, EXACTLY, to bring down premiums OR MAKE a company conduct business in his state? Did Farmer's Insurance issue a statement saying they are leaving the state of Louisiana as well? Same region right and similar risk. What are the home insurance premiums costs differences between the states? I understand that Florida has more residents, but obviously there is more to the decision for Farmer's to leave the state than simply risk because by your estimation Louisiana and Florida share similar risk and are in the same region?? Hmmmm. Almost like there is more to it.
Yes there is more to it.
A homework assignment for you: see if you can figure out what the 'more to it' is.
0
@DeezyAZ81
Quote Originally Posted by DeezyAZ81:
Quote Originally Posted by Raiders22: @DeezyAZ81 No sir. California is one of the cheapest. They are way less risky than Florida or Louisiana. I am considered by many an expert on it. I write on it and speak on it and have for years. I think you are simply mixing up several issues here. If a company decides it is in their best interest to move, they move. If they can make more money in another state, they move. There is nothing DeSantis can do to stop hurricanes. All he can do is repair afterwards and by most accounts does that very well. What would you have him do, EXACTLY, to bring down premiums OR MAKE a company conduct business in his state? Did Farmer's Insurance issue a statement saying they are leaving the state of Louisiana as well? Same region right and similar risk. What are the home insurance premiums costs differences between the states? I understand that Florida has more residents, but obviously there is more to the decision for Farmer's to leave the state than simply risk because by your estimation Louisiana and Florida share similar risk and are in the same region?? Hmmmm. Almost like there is more to it.
Yes there is more to it.
A homework assignment for you: see if you can figure out what the 'more to it' is.
@Rush51 The frustration is easy to understand if you live somewhere and all of a sudden a bill goes up. If you already lived there before the last few years -- then your mortgage payments have remained the same or your house is already paid off. But now a bill that can change is changing on you. So, naturally you look at a scapegoat to blame. So, they blame the Governor for any bad thing -- whether he is the blame or not. This is human nature in a way. If you are someone that was already living in Florida and wanted to move or upgrade -- then you are frustrated as well. Because house prices have skyrocketed now because of all of the people moving there. Many blame DeSantis for this also. There are things to knock the guy about -- these are simply the wrong things.
The frustration "is" easy to understand... But Looking for a scapegoat fails to look at the true source at what's driving the higher premiums.... and lefties blaming DeSantis for the problem is just childish..
People need to remember that Insurance companies are just like any other company in business to make a profit.
0
Quote Originally Posted by Raiders22:
@Rush51 The frustration is easy to understand if you live somewhere and all of a sudden a bill goes up. If you already lived there before the last few years -- then your mortgage payments have remained the same or your house is already paid off. But now a bill that can change is changing on you. So, naturally you look at a scapegoat to blame. So, they blame the Governor for any bad thing -- whether he is the blame or not. This is human nature in a way. If you are someone that was already living in Florida and wanted to move or upgrade -- then you are frustrated as well. Because house prices have skyrocketed now because of all of the people moving there. Many blame DeSantis for this also. There are things to knock the guy about -- these are simply the wrong things.
The frustration "is" easy to understand... But Looking for a scapegoat fails to look at the true source at what's driving the higher premiums.... and lefties blaming DeSantis for the problem is just childish..
People need to remember that Insurance companies are just like any other company in business to make a profit.
Quote Originally Posted by Raiders22: @Rush51 The frustration is easy to understand if you live somewhere and all of a sudden a bill goes up. If you already lived there before the last few years -- then your mortgage payments have remained the same or your house is already paid off. But now a bill that can change is changing on you. So, naturally you look at a scapegoat to blame. So, they blame the Governor for any bad thing -- whether he is the blame or not. This is human nature in a way. If you are someone that was already living in Florida and wanted to move or upgrade -- then you are frustrated as well. Because house prices have skyrocketed now because of all of the people moving there. Many blame DeSantis for this also. There are things to knock the guy about -- these are simply the wrong things. The frustration "is" easy to understand... But Looking for a scapegoat fails to look at the true source at what's driving the higher premiums.... and lefties blaming DeSantis for the problem is just childish.. People need to remember that Insurance companies are just like any other company in business to make a profit.
0
@Rush51
Quote Originally Posted by Rush51:
Quote Originally Posted by Raiders22: @Rush51 The frustration is easy to understand if you live somewhere and all of a sudden a bill goes up. If you already lived there before the last few years -- then your mortgage payments have remained the same or your house is already paid off. But now a bill that can change is changing on you. So, naturally you look at a scapegoat to blame. So, they blame the Governor for any bad thing -- whether he is the blame or not. This is human nature in a way. If you are someone that was already living in Florida and wanted to move or upgrade -- then you are frustrated as well. Because house prices have skyrocketed now because of all of the people moving there. Many blame DeSantis for this also. There are things to knock the guy about -- these are simply the wrong things. The frustration "is" easy to understand... But Looking for a scapegoat fails to look at the true source at what's driving the higher premiums.... and lefties blaming DeSantis for the problem is just childish.. People need to remember that Insurance companies are just like any other company in business to make a profit.
@Rush51 Quote Originally Posted by Rush51: Quote Originally Posted by Raiders22: An easier way to look at it is to simply ask what states you think should have MORE expensive premiums right now and WHY? Imagine if you were opening an insurance company, what would you do -- you cannot charge the same in FL, TX, OK, LA as you do in UT, WI, PA, OR, etc. There's really no need to make this more complicated than it needs to be. Homeowner's Insurance companies analyze "the risks" that are prevalent in each specific area of the country, and adjust the premiums they charge accordingly,... For CA, it's mostly wildfires and mudslides risk, for FL, it's hurricane, for mid-west, it's tornado, etc. Insurance companies adjust their premiums accordingly to account for these catastrophic events. Absolutely. The value of the property being insured factors in as well. Home prices have been going up in Florida and more homes are there now.
0
Quote Originally Posted by Raiders22:
@Rush51 Quote Originally Posted by Rush51: Quote Originally Posted by Raiders22: An easier way to look at it is to simply ask what states you think should have MORE expensive premiums right now and WHY? Imagine if you were opening an insurance company, what would you do -- you cannot charge the same in FL, TX, OK, LA as you do in UT, WI, PA, OR, etc. There's really no need to make this more complicated than it needs to be. Homeowner's Insurance companies analyze "the risks" that are prevalent in each specific area of the country, and adjust the premiums they charge accordingly,... For CA, it's mostly wildfires and mudslides risk, for FL, it's hurricane, for mid-west, it's tornado, etc. Insurance companies adjust their premiums accordingly to account for these catastrophic events. Absolutely. The value of the property being insured factors in as well. Home prices have been going up in Florida and more homes are there now.
@DeezyAZ81 Quote Originally Posted by DeezyAZ81: Quote Originally Posted by Raiders22: @DeezyAZ81 No sir. California is one of the cheapest. They are way less risky than Florida or Louisiana. I am considered by many an expert on it. I write on it and speak on it and have for years. I think you are simply mixing up several issues here. If a company decides it is in their best interest to move, they move. If they can make more money in another state, they move. There is nothing DeSantis can do to stop hurricanes. All he can do is repair afterwards and by most accounts does that very well. What would you have him do, EXACTLY, to bring down premiums OR MAKE a company conduct business in his state? Did Farmer's Insurance issue a statement saying they are leaving the state of Louisiana as well? Same region right and similar risk. What are the home insurance premiums costs differences between the states? I understand that Florida has more residents, but obviously there is more to the decision for Farmer's to leave the state than simply risk because by your estimation Louisiana and Florida share similar risk and are in the same region?? Hmmmm. Almost like there is more to it. What do you see as the biggest differences between Louisiana and Florida right now?
Leadership in both spots pretty poor correct there. However, one governor is taking on a battle against "wokeness" instead of allocating resources, energy, and time toward underlying issues plaguing the state. Very good, you are starting to get it.
0
Quote Originally Posted by Raiders22:
@DeezyAZ81 Quote Originally Posted by DeezyAZ81: Quote Originally Posted by Raiders22: @DeezyAZ81 No sir. California is one of the cheapest. They are way less risky than Florida or Louisiana. I am considered by many an expert on it. I write on it and speak on it and have for years. I think you are simply mixing up several issues here. If a company decides it is in their best interest to move, they move. If they can make more money in another state, they move. There is nothing DeSantis can do to stop hurricanes. All he can do is repair afterwards and by most accounts does that very well. What would you have him do, EXACTLY, to bring down premiums OR MAKE a company conduct business in his state? Did Farmer's Insurance issue a statement saying they are leaving the state of Louisiana as well? Same region right and similar risk. What are the home insurance premiums costs differences between the states? I understand that Florida has more residents, but obviously there is more to the decision for Farmer's to leave the state than simply risk because by your estimation Louisiana and Florida share similar risk and are in the same region?? Hmmmm. Almost like there is more to it. What do you see as the biggest differences between Louisiana and Florida right now?
Leadership in both spots pretty poor correct there. However, one governor is taking on a battle against "wokeness" instead of allocating resources, energy, and time toward underlying issues plaguing the state. Very good, you are starting to get it.
Quote Originally Posted by Raiders22: @DeezyAZ81 Quote Originally Posted by DeezyAZ81: Quote Originally Posted by Raiders22: @DeezyAZ81 No sir. California is one of the cheapest. They are way less risky than Florida or Louisiana. I am considered by many an expert on it. I write on it and speak on it and have for years. I think you are simply mixing up several issues here. If a company decides it is in their best interest to move, they move. If they can make more money in another state, they move. There is nothing DeSantis can do to stop hurricanes. All he can do is repair afterwards and by most accounts does that very well. What would you have him do, EXACTLY, to bring down premiums OR MAKE a company conduct business in his state? Did Farmer's Insurance issue a statement saying they are leaving the state of Louisiana as well? Same region right and similar risk. What are the home insurance premiums costs differences between the states? I understand that Florida has more residents, but obviously there is more to the decision for Farmer's to leave the state than simply risk because by your estimation Louisiana and Florida share similar risk and are in the same region?? Hmmmm. Almost like there is more to it. What do you see as the biggest differences between Louisiana and Florida right now? Leadership in both spots pretty poor correct there. However, one governor is taking on a battle against "wokeness" instead of allocating resources, energy, and time toward underlying issues plaguing the state. Very good, you are starting to get it.
You think that drives insurance premiums? I am thinking you are NOT getting it.
You need to be way more specific than just saying you do not like the guy and his policies against wokeness. Does this affect SD or LA or TX the same way?
Where did you see this information?
0
@DeezyAZ81
Quote Originally Posted by DeezyAZ81:
Quote Originally Posted by Raiders22: @DeezyAZ81 Quote Originally Posted by DeezyAZ81: Quote Originally Posted by Raiders22: @DeezyAZ81 No sir. California is one of the cheapest. They are way less risky than Florida or Louisiana. I am considered by many an expert on it. I write on it and speak on it and have for years. I think you are simply mixing up several issues here. If a company decides it is in their best interest to move, they move. If they can make more money in another state, they move. There is nothing DeSantis can do to stop hurricanes. All he can do is repair afterwards and by most accounts does that very well. What would you have him do, EXACTLY, to bring down premiums OR MAKE a company conduct business in his state? Did Farmer's Insurance issue a statement saying they are leaving the state of Louisiana as well? Same region right and similar risk. What are the home insurance premiums costs differences between the states? I understand that Florida has more residents, but obviously there is more to the decision for Farmer's to leave the state than simply risk because by your estimation Louisiana and Florida share similar risk and are in the same region?? Hmmmm. Almost like there is more to it. What do you see as the biggest differences between Louisiana and Florida right now? Leadership in both spots pretty poor correct there. However, one governor is taking on a battle against "wokeness" instead of allocating resources, energy, and time toward underlying issues plaguing the state. Very good, you are starting to get it.
You think that drives insurance premiums? I am thinking you are NOT getting it.
You need to be way more specific than just saying you do not like the guy and his policies against wokeness. Does this affect SD or LA or TX the same way?
@Rush51 Quote Originally Posted by Rush51: Quote Originally Posted by Raiders22: An easier way to look at it is to simply ask what states you think should have MORE expensive premiums right now and WHY? Imagine if you were opening an insurance company, what would you do -- you cannot charge the same in FL, TX, OK, LA as you do in UT, WI, PA, OR, etc. There's really no need to make this more complicated than it needs to be. Homeowner's Insurance companies analyze "the risks" that are prevalent in each specific area of the country, and adjust the premiums they charge accordingly,... For CA, it's mostly wildfires and mudslides risk, for FL, it's hurricane, for mid-west, it's tornado, etc. Insurance companies adjust their premiums accordingly to account for these catastrophic events. Absolutely. The value of the property being insured factors in as well. Home prices have been going up in Florida and more homes are there now.
So property value slightly higher in Florida. So why not just limit the number of customers in Florida, and set a cap on it, rather than choosing to simply exit the state altogether? The premiums could still obviously make Farmer's lots of money, even with a cap. Seems like you cannot seem to come up with an explanation because you cannot face reality about your boy fat Ron. He is a poor governor with no leadership or policymaking skills.
0
Quote Originally Posted by Raiders22:
@Rush51 Quote Originally Posted by Rush51: Quote Originally Posted by Raiders22: An easier way to look at it is to simply ask what states you think should have MORE expensive premiums right now and WHY? Imagine if you were opening an insurance company, what would you do -- you cannot charge the same in FL, TX, OK, LA as you do in UT, WI, PA, OR, etc. There's really no need to make this more complicated than it needs to be. Homeowner's Insurance companies analyze "the risks" that are prevalent in each specific area of the country, and adjust the premiums they charge accordingly,... For CA, it's mostly wildfires and mudslides risk, for FL, it's hurricane, for mid-west, it's tornado, etc. Insurance companies adjust their premiums accordingly to account for these catastrophic events. Absolutely. The value of the property being insured factors in as well. Home prices have been going up in Florida and more homes are there now.
So property value slightly higher in Florida. So why not just limit the number of customers in Florida, and set a cap on it, rather than choosing to simply exit the state altogether? The premiums could still obviously make Farmer's lots of money, even with a cap. Seems like you cannot seem to come up with an explanation because you cannot face reality about your boy fat Ron. He is a poor governor with no leadership or policymaking skills.
Or let me ask it this way: do you think "woke-friendly' states like CA and NY, etc. LOWERED their premiums because of these policies? Or did insurance companies all of a sudden flock to these states?
You have to do better than that...I am sorry.
0
@DeezyAZ81
Or let me ask it this way: do you think "woke-friendly' states like CA and NY, etc. LOWERED their premiums because of these policies? Or did insurance companies all of a sudden flock to these states?
@DeezyAZ81 Quote Originally Posted by DeezyAZ81: Quote Originally Posted by Raiders22: @DeezyAZ81 Quote Originally Posted by DeezyAZ81: Quote Originally Posted by Raiders22: @DeezyAZ81 No sir. California is one of the cheapest. They are way less risky than Florida or Louisiana. I am considered by many an expert on it. I write on it and speak on it and have for years. I think you are simply mixing up several issues here. If a company decides it is in their best interest to move, they move. If they can make more money in another state, they move. There is nothing DeSantis can do to stop hurricanes. All he can do is repair afterwards and by most accounts does that very well. What would you have him do, EXACTLY, to bring down premiums OR MAKE a company conduct business in his state? Did Farmer's Insurance issue a statement saying they are leaving the state of Louisiana as well? Same region right and similar risk. What are the home insurance premiums costs differences between the states? I understand that Florida has more residents, but obviously there is more to the decision for Farmer's to leave the state than simply risk because by your estimation Louisiana and Florida share similar risk and are in the same region?? Hmmmm. Almost like there is more to it. What do you see as the biggest differences between Louisiana and Florida right now? Leadership in both spots pretty poor correct there. However, one governor is taking on a battle against "wokeness" instead of allocating resources, energy, and time toward underlying issues plaguing the state. Very good, you are starting to get it. You think that drives insurance premiums? I am thinking you are NOT getting it. You need to be way more specific than just saying you do not like the guy and his policies against wokeness. Does this affect SD or LA or TX the same way? Where did you see this information?
Seems like you do not understand how capitalist markets work. Yes, when businesses leave a market because they cannot work with local, state leadership, it drives premiums up because the limited remaining companies in the sector can adjust their prices, making them more costly to consumers. You claim to be an expert and do not understand how insurance markets work??? Interesting. Limited choices = rising premiums. I thought this was basic stuff for an expert. Apparently not.
0
Quote Originally Posted by Raiders22:
@DeezyAZ81 Quote Originally Posted by DeezyAZ81: Quote Originally Posted by Raiders22: @DeezyAZ81 Quote Originally Posted by DeezyAZ81: Quote Originally Posted by Raiders22: @DeezyAZ81 No sir. California is one of the cheapest. They are way less risky than Florida or Louisiana. I am considered by many an expert on it. I write on it and speak on it and have for years. I think you are simply mixing up several issues here. If a company decides it is in their best interest to move, they move. If they can make more money in another state, they move. There is nothing DeSantis can do to stop hurricanes. All he can do is repair afterwards and by most accounts does that very well. What would you have him do, EXACTLY, to bring down premiums OR MAKE a company conduct business in his state? Did Farmer's Insurance issue a statement saying they are leaving the state of Louisiana as well? Same region right and similar risk. What are the home insurance premiums costs differences between the states? I understand that Florida has more residents, but obviously there is more to the decision for Farmer's to leave the state than simply risk because by your estimation Louisiana and Florida share similar risk and are in the same region?? Hmmmm. Almost like there is more to it. What do you see as the biggest differences between Louisiana and Florida right now? Leadership in both spots pretty poor correct there. However, one governor is taking on a battle against "wokeness" instead of allocating resources, energy, and time toward underlying issues plaguing the state. Very good, you are starting to get it. You think that drives insurance premiums? I am thinking you are NOT getting it. You need to be way more specific than just saying you do not like the guy and his policies against wokeness. Does this affect SD or LA or TX the same way? Where did you see this information?
Seems like you do not understand how capitalist markets work. Yes, when businesses leave a market because they cannot work with local, state leadership, it drives premiums up because the limited remaining companies in the sector can adjust their prices, making them more costly to consumers. You claim to be an expert and do not understand how insurance markets work??? Interesting. Limited choices = rising premiums. I thought this was basic stuff for an expert. Apparently not.
Quote Originally Posted by Raiders22: @Rush51 Quote Originally Posted by Rush51: Quote Originally Posted by Raiders22: An easier way to look at it is to simply ask what states you think should have MORE expensive premiums right now and WHY? Imagine if you were opening an insurance company, what would you do -- you cannot charge the same in FL, TX, OK, LA as you do in UT, WI, PA, OR, etc. There's really no need to make this more complicated than it needs to be. Homeowner's Insurance companies analyze "the risks" that are prevalent in each specific area of the country, and adjust the premiums they charge accordingly,... For CA, it's mostly wildfires and mudslides risk, for FL, it's hurricane, for mid-west, it's tornado, etc. Insurance companies adjust their premiums accordingly to account for these catastrophic events. Absolutely. The value of the property being insured factors in as well. Home prices have been going up in Florida and more homes are there now. So property value slightly higher in Florida. So why not just limit the number of customers in Florida, and set a cap on it, rather than choosing to simply exit the state altogether? The premiums could still obviously make Farmer's lots of money, even with a cap. Seems like you cannot seem to come up with an explanation because you cannot face reality about your boy fat Ron. He is a poor governor with no leadership or policymaking skills.
Are you saying that they left just because they do not like DeSantis? He will not even be in charge in a few years.
Did they say something like that? Maybe they did and I did not know that?
Are you thinking YOU know better how to run their business than they do?
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@DeezyAZ81
Quote Originally Posted by DeezyAZ81:
Quote Originally Posted by Raiders22: @Rush51 Quote Originally Posted by Rush51: Quote Originally Posted by Raiders22: An easier way to look at it is to simply ask what states you think should have MORE expensive premiums right now and WHY? Imagine if you were opening an insurance company, what would you do -- you cannot charge the same in FL, TX, OK, LA as you do in UT, WI, PA, OR, etc. There's really no need to make this more complicated than it needs to be. Homeowner's Insurance companies analyze "the risks" that are prevalent in each specific area of the country, and adjust the premiums they charge accordingly,... For CA, it's mostly wildfires and mudslides risk, for FL, it's hurricane, for mid-west, it's tornado, etc. Insurance companies adjust their premiums accordingly to account for these catastrophic events. Absolutely. The value of the property being insured factors in as well. Home prices have been going up in Florida and more homes are there now. So property value slightly higher in Florida. So why not just limit the number of customers in Florida, and set a cap on it, rather than choosing to simply exit the state altogether? The premiums could still obviously make Farmer's lots of money, even with a cap. Seems like you cannot seem to come up with an explanation because you cannot face reality about your boy fat Ron. He is a poor governor with no leadership or policymaking skills.
Are you saying that they left just because they do not like DeSantis? He will not even be in charge in a few years.
Did they say something like that? Maybe they did and I did not know that?
Are you thinking YOU know better how to run their business than they do?
To be honest he is not 'my boy fat Ron'. I did not even realize he was considered fat. I could care less who is in charge in FL if I am looking at this issue.
That is my whole point.
If they left FL BECAUSE of him -- simply show me what they said. Why is not every company fleeing?
What EXACTLY are you trying to say?
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@DeezyAZ81
To be honest he is not 'my boy fat Ron'. I did not even realize he was considered fat. I could care less who is in charge in FL if I am looking at this issue.
That is my whole point.
If they left FL BECAUSE of him -- simply show me what they said. Why is not every company fleeing?
@DeezyAZ81 Or let me ask it this way: do you think "woke-friendly' states like CA and NY, etc. LOWERED their premiums because of these policies? Or did insurance companies all of a sudden flock to these states? You have to do better than that...I am sorry.
What? You seem to be missing the point entirely. Are insurance companies leaving CA and NY because of Woke friendliness??? If so, have not heard of that. Florida's own Chief Financial Officer, a Republican claimed that Farmer's Insurance left Florida because of wokeneess.
You are just arguing to argue at this point but not making sense.
But Florida’s CFO Jimmy Patronis, a Republican, doesn’t think climate change is the problem.
“I sincerely believe that with today’s actions, Farmers Insurance is well on its way to becoming the Bud Light of insurance,” he said in a statement posted to Twitter, seemingly blaming the insurance company for being too woke.
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Quote Originally Posted by Raiders22:
@DeezyAZ81 Or let me ask it this way: do you think "woke-friendly' states like CA and NY, etc. LOWERED their premiums because of these policies? Or did insurance companies all of a sudden flock to these states? You have to do better than that...I am sorry.
What? You seem to be missing the point entirely. Are insurance companies leaving CA and NY because of Woke friendliness??? If so, have not heard of that. Florida's own Chief Financial Officer, a Republican claimed that Farmer's Insurance left Florida because of wokeneess.
You are just arguing to argue at this point but not making sense.
But Florida’s CFO Jimmy Patronis, a Republican, doesn’t think climate change is the problem.
“I sincerely believe that with today’s actions, Farmers Insurance is well on its way to becoming the Bud Light of insurance,” he said in a statement posted to Twitter, seemingly blaming the insurance company for being too woke.
Quote Originally Posted by Raiders22: @DeezyAZ81 Or let me ask it this way: do you think "woke-friendly' states like CA and NY, etc. LOWERED their premiums because of these policies? Or did insurance companies all of a sudden flock to these states? You have to do better than that...I am sorry. What? You seem to be missing the point entirely. Are insurance companies leaving CA and NY because of Woke friendliness??? If so, have not heard of that. Florida's own Chief Financial Officer, a Republican claimed that Farmer's Insurance left Florida because of wokeneess. You are just arguing to argue at this point but not making sense. But Florida’s CFO Jimmy Patronis, a Republican, doesn’t think climate change is the problem. “I sincerely believe that with today’s actions, Farmers Insurance is well on its way to becoming the Bud Light of insurance,” he said in a statement posted to Twitter, seemingly blaming the insurance company for being too woke.
Did he? If so--I honestly did not see that. I will check that out.
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Quote Originally Posted by DeezyAZ81:
Quote Originally Posted by Raiders22: @DeezyAZ81 Or let me ask it this way: do you think "woke-friendly' states like CA and NY, etc. LOWERED their premiums because of these policies? Or did insurance companies all of a sudden flock to these states? You have to do better than that...I am sorry. What? You seem to be missing the point entirely. Are insurance companies leaving CA and NY because of Woke friendliness??? If so, have not heard of that. Florida's own Chief Financial Officer, a Republican claimed that Farmer's Insurance left Florida because of wokeneess. You are just arguing to argue at this point but not making sense. But Florida’s CFO Jimmy Patronis, a Republican, doesn’t think climate change is the problem. “I sincerely believe that with today’s actions, Farmers Insurance is well on its way to becoming the Bud Light of insurance,” he said in a statement posted to Twitter, seemingly blaming the insurance company for being too woke.
Did he? If so--I honestly did not see that. I will check that out.
@DeezyAZ81 To be honest he is not 'my boy fat Ron'. I did not even realize he was considered fat. I could care less who is in charge in FL if I am looking at this issue. That is my whole point. If they left FL BECAUSE of him -- simply show me what they said. Why is not every company fleeing? What EXACTLY are you trying to say?
Republican leadership in the state is claiming Farmer's leaving is due to "wokeness" like the Republican CFO Jimmy Patronis. I'm sure Fat Ron will make similar comments soon. Why would every company leave? Now the remaining companies can jack up their prices with limited options. Some firms do not care about social issues and others do. You do not realize that all companies do not have the same outlook, goals, or values right? However, when big businesses do choose to leave because of social issues or halt projects you do realize it hurts economic sectors and reduces choice for local consumers? You are by no means an expert on Florida. You should listen to Midnight.
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Quote Originally Posted by Raiders22:
@DeezyAZ81 To be honest he is not 'my boy fat Ron'. I did not even realize he was considered fat. I could care less who is in charge in FL if I am looking at this issue. That is my whole point. If they left FL BECAUSE of him -- simply show me what they said. Why is not every company fleeing? What EXACTLY are you trying to say?
Republican leadership in the state is claiming Farmer's leaving is due to "wokeness" like the Republican CFO Jimmy Patronis. I'm sure Fat Ron will make similar comments soon. Why would every company leave? Now the remaining companies can jack up their prices with limited options. Some firms do not care about social issues and others do. You do not realize that all companies do not have the same outlook, goals, or values right? However, when big businesses do choose to leave because of social issues or halt projects you do realize it hurts economic sectors and reduces choice for local consumers? You are by no means an expert on Florida. You should listen to Midnight.
Quote Originally Posted by Raiders22: @DeezyAZ81 Or let me ask it this way: do you think "woke-friendly' states like CA and NY, etc. LOWERED their premiums because of these policies? Or did insurance companies all of a sudden flock to these states? You have to do better than that...I am sorry. What? You seem to be missing the point entirely. Are insurance companies leaving CA and NY because of Woke friendliness??? If so, have not heard of that. Florida's own Chief Financial Officer, a Republican claimed that Farmer's Insurance left Florida because of wokeneess. You are just arguing to argue at this point but not making sense. But Florida’s CFO Jimmy Patronis, a Republican, doesn’t think climate change is the problem. “I sincerely believe that with today’s actions, Farmers Insurance is well on its way to becoming the Bud Light of insurance,” he said in a statement posted to Twitter, seemingly blaming the insurance company for being too woke.
Cool. I will look into this then. I would imagine it would be very tricky to get his whole board on board with this plan just to make a point. Companies like making money too much.
But maybe you are right. But I think you should have said at the very beginning this was the EXACT reason they said they were leaving -- because of DeSantis anti-woke policies.
It took you a lot of posts to come around to saying that.
But for now, I will take your word they said that was the reason for leaving. I will look into it later when I get back on.
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Quote Originally Posted by DeezyAZ81:
Quote Originally Posted by Raiders22: @DeezyAZ81 Or let me ask it this way: do you think "woke-friendly' states like CA and NY, etc. LOWERED their premiums because of these policies? Or did insurance companies all of a sudden flock to these states? You have to do better than that...I am sorry. What? You seem to be missing the point entirely. Are insurance companies leaving CA and NY because of Woke friendliness??? If so, have not heard of that. Florida's own Chief Financial Officer, a Republican claimed that Farmer's Insurance left Florida because of wokeneess. You are just arguing to argue at this point but not making sense. But Florida’s CFO Jimmy Patronis, a Republican, doesn’t think climate change is the problem. “I sincerely believe that with today’s actions, Farmers Insurance is well on its way to becoming the Bud Light of insurance,” he said in a statement posted to Twitter, seemingly blaming the insurance company for being too woke.
Cool. I will look into this then. I would imagine it would be very tricky to get his whole board on board with this plan just to make a point. Companies like making money too much.
But maybe you are right. But I think you should have said at the very beginning this was the EXACT reason they said they were leaving -- because of DeSantis anti-woke policies.
It took you a lot of posts to come around to saying that.
But for now, I will take your word they said that was the reason for leaving. I will look into it later when I get back on.
Quote Originally Posted by DeezyAZ81: Quote Originally Posted by Raiders22: @DeezyAZ81 Or let me ask it this way: do you think "woke-friendly' states like CA and NY, etc. LOWERED their premiums because of these policies? Or did insurance companies all of a sudden flock to these states? You have to do better than that...I am sorry. What? You seem to be missing the point entirely. Are insurance companies leaving CA and NY because of Woke friendliness??? If so, have not heard of that. Florida's own Chief Financial Officer, a Republican claimed that Farmer's Insurance left Florida because of wokeneess. You are just arguing to argue at this point but not making sense. But Florida’s CFO Jimmy Patronis, a Republican, doesn’t think climate change is the problem. “I sincerely believe that with today’s actions, Farmers Insurance is well on its way to becoming the Bud Light of insurance,” he said in a statement posted to Twitter, seemingly blaming the insurance company for being too woke. Did he? If so--I honestly did not see that. I will check that out.
Perhaps you should read up on the popular Republican take on the issue.
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Quote Originally Posted by Raiders22:
Quote Originally Posted by DeezyAZ81: Quote Originally Posted by Raiders22: @DeezyAZ81 Or let me ask it this way: do you think "woke-friendly' states like CA and NY, etc. LOWERED their premiums because of these policies? Or did insurance companies all of a sudden flock to these states? You have to do better than that...I am sorry. What? You seem to be missing the point entirely. Are insurance companies leaving CA and NY because of Woke friendliness??? If so, have not heard of that. Florida's own Chief Financial Officer, a Republican claimed that Farmer's Insurance left Florida because of wokeneess. You are just arguing to argue at this point but not making sense. But Florida’s CFO Jimmy Patronis, a Republican, doesn’t think climate change is the problem. “I sincerely believe that with today’s actions, Farmers Insurance is well on its way to becoming the Bud Light of insurance,” he said in a statement posted to Twitter, seemingly blaming the insurance company for being too woke. Did he? If so--I honestly did not see that. I will check that out.
Quote Originally Posted by Raiders22: @DeezyAZ81 To be honest he is not 'my boy fat Ron'. I did not even realize he was considered fat. I could care less who is in charge in FL if I am looking at this issue. That is my whole point. If they left FL BECAUSE of him -- simply show me what they said. Why is not every company fleeing? What EXACTLY are you trying to say? Republican leadership in the state is claiming Farmer's leaving is due to "wokeness" like the Republican CFO Jimmy Patronis. I'm sure Fat Ron will make similar comments soon. Why would every company leave? Now the remaining companies can jack up their prices with limited options. Some firms do not care about social issues and others do. You do not realize that all companies do not have the same outlook, goals, or values right? However, when big businesses do choose to leave because of social issues or halt projects you do realize it hurts economic sectors and reduces choice for local consumers? You are by no means an expert on Florida. You should listen to Midnight.
Midnight did not say that was the reason either. I am as much of an expert as anyone else on the state -- I still have a couple of places there. I also do not have to pay state taxes there, so still use it as a home base of sorts.
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Quote Originally Posted by DeezyAZ81:
Quote Originally Posted by Raiders22: @DeezyAZ81 To be honest he is not 'my boy fat Ron'. I did not even realize he was considered fat. I could care less who is in charge in FL if I am looking at this issue. That is my whole point. If they left FL BECAUSE of him -- simply show me what they said. Why is not every company fleeing? What EXACTLY are you trying to say? Republican leadership in the state is claiming Farmer's leaving is due to "wokeness" like the Republican CFO Jimmy Patronis. I'm sure Fat Ron will make similar comments soon. Why would every company leave? Now the remaining companies can jack up their prices with limited options. Some firms do not care about social issues and others do. You do not realize that all companies do not have the same outlook, goals, or values right? However, when big businesses do choose to leave because of social issues or halt projects you do realize it hurts economic sectors and reduces choice for local consumers? You are by no means an expert on Florida. You should listen to Midnight.
Midnight did not say that was the reason either. I am as much of an expert as anyone else on the state -- I still have a couple of places there. I also do not have to pay state taxes there, so still use it as a home base of sorts.
Quote Originally Posted by Raiders22: Quote Originally Posted by DeezyAZ81: Quote Originally Posted by Raiders22: @DeezyAZ81 Or let me ask it this way: do you think "woke-friendly' states like CA and NY, etc. LOWERED their premiums because of these policies? Or did insurance companies all of a sudden flock to these states? You have to do better than that...I am sorry. What? You seem to be missing the point entirely. Are insurance companies leaving CA and NY because of Woke friendliness??? If so, have not heard of that. Florida's own Chief Financial Officer, a Republican claimed that Farmer's Insurance left Florida because of wokeneess. You are just arguing to argue at this point but not making sense. But Florida’s CFO Jimmy Patronis, a Republican, doesn’t think climate change is the problem. “I sincerely believe that with today’s actions, Farmers Insurance is well on its way to becoming the Bud Light of insurance,” he said in a statement posted to Twitter, seemingly blaming the insurance company for being too woke. Did he? If so--I honestly did not see that. I will check that out. Here is a link. https://newrepublic.com/post/174299/bud-light-insurance-florida-republican-blames-wokeness Perhaps you should read up on the popular Republican take on the issue.
Good deal. -- I check it out in a bit. Headed out to jog down beach to eat.
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@DeezyAZ81
Quote Originally Posted by DeezyAZ81:
Quote Originally Posted by Raiders22: Quote Originally Posted by DeezyAZ81: Quote Originally Posted by Raiders22: @DeezyAZ81 Or let me ask it this way: do you think "woke-friendly' states like CA and NY, etc. LOWERED their premiums because of these policies? Or did insurance companies all of a sudden flock to these states? You have to do better than that...I am sorry. What? You seem to be missing the point entirely. Are insurance companies leaving CA and NY because of Woke friendliness??? If so, have not heard of that. Florida's own Chief Financial Officer, a Republican claimed that Farmer's Insurance left Florida because of wokeneess. You are just arguing to argue at this point but not making sense. But Florida’s CFO Jimmy Patronis, a Republican, doesn’t think climate change is the problem. “I sincerely believe that with today’s actions, Farmers Insurance is well on its way to becoming the Bud Light of insurance,” he said in a statement posted to Twitter, seemingly blaming the insurance company for being too woke. Did he? If so--I honestly did not see that. I will check that out. Here is a link. https://newrepublic.com/post/174299/bud-light-insurance-florida-republican-blames-wokeness Perhaps you should read up on the popular Republican take on the issue.
Good deal. -- I check it out in a bit. Headed out to jog down beach to eat.
One last thing if this is true. Isn’t that how capitalism works? They can leave for whatever reason. Then someone can step in to fill the void. This does not address the issue of why premiums are going up if only one company is leaving. There are plenty of other insurance companies that will gladly take their business.
But I will look at link in a bit.
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@DeezyAZ81
One last thing if this is true. Isn’t that how capitalism works? They can leave for whatever reason. Then someone can step in to fill the void. This does not address the issue of why premiums are going up if only one company is leaving. There are plenty of other insurance companies that will gladly take their business.
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Almost like there is more to it. 
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