Yep mansion and real estate in the Hollywood hills, Beverly Hills ect should not be eligible for FAIR or any subsidized home owner insurance…

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You can not read this, too, while you’re at it: https://www.auditor.ca.gov/reports/2024-118/

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Yeah? We should have universal healthcare instead of health insurance.

Insurance regulations are a straightforward failure. Some risks will never be worth insuring. The State intervening to force insurance merely encourages bad decision making.

This is bananas. I wonder if anyone could’ve seen this coming.

We have seismically rated skyscrapers built out of concrete in our cities.

We also have old non-seismically-rated concrete buildings built early 20th century, but that's a different matter.

Ok but I still don’t want to subsidize homes built in foothills and fire prone areas where we shouldn’t be building anyway

I love this for CA. Keeps the Rogan listeners away.

We have a huge immigrant esl population that brings down our average scores. Which makes sense because theyre having to learn in a whole different language/culture.

If we account for that wed probably be a lot higher on the list.

So the key takeaway is our schools arent bad, we just have a lot of students who will struggle more due to their own circumstances rather than our schools are lacking.

So im not surprised states with less immigrants are doing better on average.

I’m not the one who claimed productivity fell off due to WFH, you did. I offered evidence showing the benefits of the 3-2 hybrid schedule, as demonstrated in the 2024 Stanford study that shows how the 3-2 hybrid schedule reduces employee turnover by 33% while maintaining positivity. You, in turn, have offered nothing but unsubstantiated blather. If you want to be taken seriously, then back up your claim with evidence and don’t expect others to do it for you. Right now, the value of RTO is negative, if not $0, based on the evidence I’ve presented.

It’s funny that you’re asking me to do the work for you while simultaneously trying to claim you’re doing the heavy lifting, demonstrating again that you have nothing to offer this conversation.

Go read the Stanford study I cited, and don’t come back until you do.

That’s how Texas does it and they pay double what we pay in California.

I literally just moved from Austin to California 5 months ago. Yes I'm sure lol

In Austin I could have gotten a really nice 3-4 bed and 2.5-3 bath house with a yard in a good school district and great neighborhood for around 550k maybe up to 600k if I wanted a pool.

Cheapest house where I live in OC is a 2 bed with no yard for like 900k.

It's a good bit cheaper in Austin, if you start looking at rentals it gets even cheaper, but we're talking about property taxes here so I know that's kind of a mute point.

You’re blending emergency care and healthcare into the same sentence. People don’t choose to have health emergencies but they certainly have a choice for being overweight. Having overweight people subsidized by healthy people is a better example for what you’re saying

homes are significantly cheaper there.

You sure about that? go look at home prices in Austin or DFW

"subsidizing", wtf? isn't this just how insurance works in general?

Gavin is going to hold and give the next governor an easy win by announcing return of remote work.

A 2000 sqft house in Rancho Cucamonga is not worth multimillion dollars. A quick search on Zillow and Redfin can confirm that. Plenty of options for under a million and those that are over are just a few hundred thousand over.

If you knew Rancho Cucamonga you would know.

Did anyone read that like I did? California being the largest state in the Union is also nearly the safest state when it comes to students feeling / being threatened at school.

That’s how all insurance works. Doesn’t matter if it’s health insurance, car insurance, or homeowners insurance. The risk pool being diversified is what is important for regulating insurance companies

insurance rates are dependent upon having both a large number of policies and a large coverage area.

No, subidizing rates for high risk pools with lower risk pools is. We do it for healthcare as a shitty bandaid fix because people can't help preexisting conditions and holyshitpeopleshouldhavehealthcare. We don't necessarily need to do it for housing insurance. People don't choose congenital disorders; people choose to live in wildfire and hurricane zones.

Insurance companies are very well capable of determining accurate insurance rates for high risk areas. It'd just be ridiculously stupidly fucking expensive, because it's ridiculously stupidly fucking risky to have a house in areas that regularly burn down or get blasted by hurricanes.

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Technically yeah, we should just have socialized healthcare in the first place as a 1st world nation

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