People that never lived in Cali have no idea how amazing it was back in my day. (80s and 90s Bay Area) It really had a special energy and excitement no matter what we went thru. I hate being tribal, but Dems totally ruined it.

California, my home, is ruined. It’s ruined by incompetent, corrupt people making terrible policies. It’s heartbreaking.

My older family tells me there were NO forest fires in the 1970's, 60's, 50's. They also told me these high / hot temperatures are nothing new to California!

I'm so sick of prices going up on EVERYTHING in California 🤬🤬🤬

I’m a Californian all my life and for the life of me I cannot understand why and how Gavin Newsom is still in office when we all cannot deny he’s destroyed California!

I am so tired of all this BS in California!!!!!

I have lived in California my entire 65 years and California used to be a great place to live. I purchased my first house in Huntington Beach when I was 20 for $89k. It was 1500 sq ft. Today that same house with no upgrades other than paint is worth $1.1 million. I purchased several homes, all within Orange County from 1980-2000 for $147k to $325k. Today they are worth. $1.1 mil to 2.2 mil. My property taxes were about 1 to 1.2% of the purchase price. Today, I can’t afford to buy any of my prior houses again and the property taxes have almost doubled on new construction. When I purchase my current house in 2007, my homeowners insurance was $500/month. Today it’s more than doubled. Everything is far more expensive in California and our problems are far worse. Crime has skyrocketed, homelessness has skyrocketed, illegals here have skyrocketed and California has one of the highest gas prices in America because they have the highest gas tax. The major reason California has gone from a great place to live to a place people can’t afford and don’t want to live is because of liberal policies. The media and celebrities have become far more outspoken against conservatives and the things that are right and good. Outspoken about the police, jail and the justice system. Every decision made by politicians and liberals have been bad for California and especially the taxpayers of California. In my city, you see tons of houses and businesses decorated at Christmas, but you rarely see the American flag on homes or businesses, even on the 4th of July! We are no longer a state of patriotic Americans that put our country and the US citizens first. If there was a major military operation such as after 9/11, do you think there would be the same number of people volunteering to sign up for the military? After Pearl Harbor, every available boy from the ages of 16 wanted to fight for this country. They even found a way to join after they were classified as not fit. How many do you think would be willing to fight and die for this country today if we were attacked? It’s not just California, patriotism is a problem throughout the country, with a large blame going to the educators, media and parents. It saddens me that people don’t believe in the ideals which made this country great and, that states like California have become so anti-America. I only hope people wise up and realize the current path is not good for our future.

What I'm most upset about is the people leaving California are bringing their failed ideas and policies to other cities. Colorado has been dealing with this since the early 90's and every year we're getting more and more state legislative bills that are ruining this state.

Newsom 24 BILLION to support 200,000 homeless, and the money is missing. No accountability

I'm a Californian and I don't know anyone who likes Newsome. I have no idea how he was elected ...and survived the recall. His policies is destroying our amazing state.

I bought my house in CA in 1987 for $117,000. It’s now appraised at $1,187,000. 37 years and the cost of housing has jumped that much. It’s just an average 3 bedroom home, 1,178 square feet with a 2 car garage. Nothing extravagant. I don’t see how the younger generation can afford to live here.

We lived in San Diego area for several years, and heard from multiple lifelong California residents how shitty the state has become over the last 20 or so years. Corrupt policies, corrupt politicians and endless regulations and laws that target the middle class have made it almost impossible to live there unless you're making over a six figure income every year with multiple sources of revenue. Glad to be back home in Texas.

The prices have gone up at least 50%. I've had to raise my labor price 50%.I've been in construction for 48yrs, I'm self-employed All thanks to Governor Newsom. He absolutely sucks, god forbid if he gets in as POTUS 😮

I Remember when Newsom blamed trump for wild fires and said trump was doing nothing to aid CA, he then met with trump and on National TV thanked him for aiding CA during the wildfires

I remember living in the valley, then Santa Monica, Anaheim, then spent time up north, San Francisco, Oakland, Carmel, even Bakersfield, in the late 90's...not perfect, some areas have always had issues. I recently visited some old friends throughout the state and I was not prepared for the devastation as a result of Democrat leadership and Democrat policies. Beyond being sad, it is criminal.

I’m a builder and I call BS on “31% more to rebuild than in 2019”. Folks it’s way over 50% more in labor and materials to build any house than it was pre-Covid…. Idk where they got those numbers but I have been building homes for 2 decades and know the numbers.

Newsom belongs in prison.

I have NO sympathy for California. They even had a chance to recall newsome, and they refused. You voted for it, you got it.

I am a contractor in Texas. Costs have gone up more than 30% over 5 years. Lumber fluctuates, but labor is closely related to food costs. We all know about food costs.

As a California home owner, our original insurance company was charging about $750 per year pre pandemic, then went up to $1,600 and then went up again to $6,500 to renew the policy. We have a home owners insurance crisis in California. This is real.

*Your explanations are clear and straight forward It's always a honor to have you here as a mentor, I appreciate you for the time being spent to educate us financially. Regardless of how bad it gets the economy, I still makeover $28K every single week. I truly value Laura, and her helpful guides*

The rest of the United States has been subsidizing California’s unsustainably low homeowner insurance rates for DECADES. Thank you State Farm for finally taking a stand. Now please follow through.

Live in Georgia , just got back from CA and the GAS prices omg 5 bucks on average, GA is $315-$340. Two steaks at a grocery store (not large) costs $80!!!! How do people live there ???

I lose my home insurance but Gavin Gruesome's career ruining California comes to an end. Definitely want to thank State Farm.

Father of two in the Navy here in San Diego. After my contract, my wife and I are leaving California. Dont worry, I won't vote blue.

I used to be a farmers' agent years ago. The earthquake back then really hurt them. They had forced home insurance to take earthquake coverage. 90% of the policies took it. The losses were staggering!

Car insurance passed double in California per month. Estimated repair cost for body work is off the charts.

I left Cali do to his policies being passed. He is a terrible governor and even worse human being. Corrupt doesn’t begin to explain his term in office.

This is what you get when dealing with Gavy Pelosi. Dear Auntie Pelosi can’t help him now.

They rather let the state burn than upset the Sierra club.

CEO was made $19M in 2019, $20M in 2020, and $24.5M in 2021. A 30% increase. Weird.

Hey State Farm. Those rates are discriminatory. 52% for renters. That should not be allowed to rack it up so high.

I lived in the forest 8 miles out of Chester, CA, back in the 70s & and 80s. I know for a fact forest maintenance was alive and well. I saw it every year. It was as common as snow removal in winter. Many of us would scater for the leftover wood they would pile up after taking the bulk of trees away...it was free, and we spoke to the logers about the next area to be cleared. Then, clearing old forest growth stopped. In 2018, I walked away from the sale of a house in Paradise, CA. 2 weeks before it burnt down. After looking at 3 homes, I told my wife, " Let's get out of here," When asked why, I told her, " This place is a fire waiting to happen." The area was full of downed dead trees, dead bushes, leaves as deep as my knees, it was a mess. Some places you could even see the creeks that ran through it. This state has been managed right into the ground, and part of the blame sits on bad voting practices.

My homeowners insurance in NE Ohio increased 15% over 2023 (32 years in this house without any claims). I went through the exercise of getting quotes, and the rates were all within 1-2% of each other. When I asked the agents why they’re so high, they all said "INFLATION." Thank you, democrats!

The problem is that it ALSO affects insurance rates in other states as insurance companies try to spread that cost around.

We need to get him out of office ASAP

I left Commiefornia around 10 years ago. I don’t even go to visit my extended family OR my sister. Hate that state.

Please vote against Newsom. We need to take him out of Sacramento.

I do not understand these people who keep electing these Politicians in Ca. The last time ANY person I voted for won ANY office in Ca. was Arnold Sw. and its been downhill from there. Pathetic.

Shout out to @METAL LEO. He’s been documenting the current state of San Francisco and LA. I live in the north bay and had no idea how bad it really is in SF until discovering this guys channel. Truly heartbreaking to see how dead it is today. F U Gavin 😤

You need to add the criminal aspect, allowing thieves to go free, so insurance gets to pay for stolen cars, property destruction, anything worthwhile.

State Farm is the least of California’s problem

My auto insurance already increased from $4,000 to $5,200 without any change on my side. Thank you California! You will not leave any extra money in our pockets. :(

<a href="#" class="seekto" data-time="190">3:10</a> No. PG&E wasn’t let off the hook. California’s Department of Forestry has been regulated out of true safety that comes with removing wild land overgrowth because the policy prevents clearing the sick forests.

I can confirm all of this. My husband works in insurance. The industry as a whole is a mess since Biden took office.

It’s too expensive to live in California that is a fact, but on the other hand, if you are homeless, it’s the perfect place to live because everything is paid for,, and since you don’t have a home, you don’t pay taxes of any kind , it’s a beautiful thing

You know what's crazy? Their streets are messed up with so much trash and human waste, the plastics being blown by the wind is being blown into the forests, which gives a high probability of fires starting. We will never truly know how many fires start due to trash, but I'm 100% positive that there would be a decrease in fires if trash was actually picked up and put where it needs to go.

I’m a California resident. The present treatment of Insurance companies in regard to flood insurance resulted in my flood insurance being canceled and I had to find a new more expensive policy. This was caused by state policy that caused insurance companies to raise rates, making flood insurance not affordable by insurance companies. So they’re leaving or not doing business in California.

I lived in Fresno, an hour away from Shaver Lake which was decimated by the fires. Can confirm it was poor management from these “climate activists” that didn’t want to cut down old, dried up trees. Glad I made the move to Phoenix two years ago.

Lack of transmission line forestry maintenance has been the #1 reason for the fire issues in California. It's been that way for decades and they only have the ridicules environmental extremists to blame. California State government who is responsible for the well being of their citizens are totally at fault.

“I live an hour away, i got here in a half hour. No traffic” 🤦‍♂️ You don’t live an hour away then. This is the logic you get from co workers being late everyday by a few minutes because they can’t figure out other people drive too.

I live in OK & our homeowners insurance doubled. I have several friends whose insurance doubled as well. It’s awful! Bc of this our mortgage payment went up $300 a month. Ridiculous!

the California government is finally learning that their incompetence has consequences. Warms my heart.

Vote this corrupt politican out!

We live in Oregon. Last year our home insurance went up 35% in just one year. We have no claims and a very high (800+) credit scores. We are not in a flood or fire zone

FYI my homeowners insurance has gone up over 300% since 2019. I have State Farm and increased it from 3,220/yr in 2019 to 11,000 1 month ago

Last year I paid $1200 a year on Home owners insurance. This year I paid $2500. I am furious this state has gone to pot!

I’m in SoCal and got a cancellation letter from Farmers (not State Farm) due to wildfire risk. Ut takes effect 10/1/24 and I’m currently in the process of fire hardening our home. This is following our premium doubling last year.

I live in CA and my State Farm auto policy also just went up 20%. The utility companies are also trying to raise their rates between 20-30%. It doesn't end.

How about they stop starting the fires!!!!!

In the State of CA, they have ordered insurance companies to pay more than their policy limits for homes that were destroyed by fires and fining the companies for not requiring the policyholders to by more insurance. The state is a clown show!🤪🤠🤡🤡🤡

What about all that missing money, the rising crime, and the rising homelessness?

I'm a P&C insurance agent and 90% of my business is California Home and Auto. All day long I get calls from panicked people who are getting dropped from their carrier and can't find coverage because insurers are either pausing business or leaving the state altogether. These are people who have not had any claims, who pay their bills, and have sometimes been with their carrier for 10-20 years or more. It's absolutely heartbreaking and it blows my mind that more people aren't talking about it. Other states are having issues too because of inflation and replacement cost like you mentioned, but California is on another level entirely here. This has been a developing crisis since the Dems installed Ricardo Lara as the CA Insurance Commissioner back in 2019. He has done nothing but play politics since taking office and he's placed absurd restrictions on carriers to avoid "discriminating" against their policyholders, despite insurance literally being a business of calculating and assigning risk to people. They have also caused the CA FAIR Plan (a state underwritten insurance program meant for high fire risk homes) to become dangerously bloated in both risk and premium cost, because major insurers can't take any more wildfire risk in the state. There is a good chance the FAIR plan will collapse soon and a federal bailout will be in the works because of the situation California is in. I applaud you guys for talking about this, people in my industry are extremely nervous about it and fear the worst for California.

I work in underwriting at State Farm headquarters here in Bloomington, IL. No one likes to work in CA. The laws and unmitigated risk make it a nightmare. People should understand the more laws your state has that impact insurance, the more difficult and expensive it is to do business there. Same goes for Michigan.

Car insurance is still a rip off!!! Why should I have to pay more to add a car to my insurance??? I can only drive one at a time!!! If insurance won't cover anyone else driving my car but me and they already insure a more expensive car and I buy an old beater that isn't worth but $3k, why should I have to pay more when I'm already insured???? The law needs to change!!! Either you insure ME in anything I drive, or you insure the car and it doesn't matter who drives the car!!! You don't get it both ways where I get ripped off!!!

Living in California in the 1980s was tremendous. I seen all the bands, surfed the pacific, and enjoyed life. As the decade came to a close, I seen the massive influx of noncitizens. Crime, property, and living costs started rising at an exponential rate. I had to leave because of the culture shift.

Remember when Arnold was the governor and diverted substantial funds into forest management? Everyone complained because it wasn't spent on social programs, but had a significant affect on "wild fire" reduction. He had some flaws, but he is the last decent governor that I can remember for Cal.

Instead of people holding the state accountable for maintaining the land. They reward them by paying more in taxes to fight climate change as the politicians save money not maintaining the land, and get more money by blaming the climate for the problem. Win win for them.

Escaped in 2023. Life is SO MUCH BETTER outside that disaster of a state.

My friend's insurance broker told him they havent been able to shop rates for over a year and NOBODY is taking new clients.

Goes right along with the .30c a mile road tax being heaped onto the backs of Californians. My God, what a wreck of a state.

Very sad what has happened to California, wake up people

Simple & Basic common sense conversation on the real impacts of topics that affect millions. Literally nothing the mainstream media is doing. Esp in Ca. This isn’t even being reported or discussed. This podcast is doing more to bring awareness & accountability ! 💪🇺🇸

Im in Missouri, ive never made a claim on my home insurance. This year they doubled my insurance. Pissed the hell off.

I have been an insurance broker in NY for 20 years. The rates in NY have sky rocketed like I have never seen before. These increases are for two reasons, inflation and soaring crime. AKA Democratic leadership.

As a 7th generation Californian, I saw all this coming in 2020. Between the wildfires and looting the insurance companies were going to do this at some point. The risk factor has significantly increased. I would say there are millions of people with moral hazards as well.

This is simply capitalism meeting climate change. No way this is happening only in California. This will affect anywhere where people live in natural disaster zones.

Crime on residential and commercial property in California is overwhelming. Homeless encampments and people roaming the streets is crazy. San Fran like LA is gone.

Every business should escape California and New York while they can, before they start arresting business owners.

Another reason that California and especially the San Francisco area is just a dumpster fire

Just recently my Farmers Insurance agent said I had to get a wildfire prepared home certificate, or they won't renew my policy. I looked it up, read the requirements, and found that it was impossible to comply with in my case. And it cost $125 nonrefundable. So, Farmers sent me a notice of nonrenewal of my policy. I've lived in this house for 26 years and paid it off 10 years ago. I'll just have to chance it with no insurance. This is in the San Diego area. I was stationed at NAS Miramar in the late 70s, and there were wildfires just as bad as now, but there were a lot fewer homes in the fire zones. Much less.

Prop 103 has also been a major disaster for CA as well. Consumer Watchdog is constantly getting involved when insurers ask for any request for rate increases over 7%. Can you imagine what kind of hell they are going to raise with State Farm asking for 30% on homeowners insurance??

My insurance company left 2 years ago and when I called to see why my policy unexpectedly ended they said it was too expensive to stay in California smh

PG&E rates are egregious as well as fire insurance. Monthly PG&E bill $325 ~ $600 Annual fire insurance $3900 Annual prop Insurance $875 Gavin’s deliberate mishandling of this state is mind blowing.

My family was in California since Lincoln was POTUS, San Francisco, San Diego, Sacramento, Orange Country. We're all gone now. Arizona, Texas, Wyoming, Tennessee. Liberals destroyed the Golden State paradise.

If. California properly farmed their forest /control Burns. And Proper power line maintenance. We wouldn't lose entire towns. Insurance companies have no problem selling new policies. They don't like to pay. And now they want a strong arm their way into a big pay raise

California is a hell hole!!!!!!

Wild fires always happened in CA. For millions of years. Even the tree and vegetation evolved to germinate after exposed to fire. Mismanagement of the forest is not the utility company. It is the state of California

My PGe bill last minth was $1438. I run the AC at 84. Same size house and with a pool that has another utility company on other side of town was $255. I looked at the bills and PGe is chargung almost 4 times per kilowatt.

For those who don't know, as a homeowner you very rarely buy a home insurance policy that pays a specific price; you buy a policy that guarantees replacement of your home...i.e. a "put it back the way it was" policy that you don't have to sweat the small details and pinch pennies or downsize. In California, inflation, environmental regulation, runaway permitting fees/requirements and inspections, labor, and materials costs have increased 30-40 percent in less than five years. Insurance companies don't try to make money off of these specific transactions, but they try to break as even as possible, and that has become completely impossible in California.

I live in California and my home insurance went from $700 to this month $1700/ year!!!! Newsom needs to gooooo!!!!

To everyone breathing a sigh of relief because you got a mortgage before rates rose....they're still coming for all of us.

My neighbor when I was a kid until moved out, was a California Department of Forestry fire crew chief. Part of their job was to go in and clear under brush in the forests. Gavin Newsom signed a bill that stopped that practice. It also stopped PG&E from clearing around power lines. We had fires in the 70's/80's/90's, but with no fuel, they weren't near as bad. And yes, it was hot in the summer back then.

We lost our home in 2020 CA wildfire (not PG&E caused, the lightning fires on 8/17/2020 that burned down towns all over the state). State Farm was our insurer. Overall, they did a great job. They paid out over $1M. It was not enough to rebuild our 1800 sf 3 bedroom 2 bath home. We were still $500K short to build the home, no garage, no patios, no landscaping, just the home and a driveway, $1.5 M was the LOWEST bid we got. We couldn't take out a $500K loan and then live in a home that most likely can be insured. So, we put tiny homes on wheels on the land (illegal at the moment) and insure them as cars (state farm will insure them as well as a liability policy on the land). The rest of our money we put in another state that doesn't have a climate disaster issue. Everyone around me who rebuilt is now broke and can't get insurance for their $1M homes. It's horrible and sad.

Allstate dropped us a couple years ago because we live in the mountains. We had to go with the California Fair Plan, although there is nothing fair about it. Our premiums went from $1200 a year to over $4000 per year. We have to constantly jump through their hoops and I wouldn't put it past them to send a drone over our property at some point. We are 2 years from retirement so we can't leave. We had no plans to move when we retire and had everything worked out, but the past 3 1/2 years have ruined all our plans. How is it California can afford a high speed train to no where but we can't afford to care for our forests and have more fire fighting equipment? We can give illegal immigrants free health care, but we can't care for our forests. Perhaps if all that train money and free medical care money had been spent on cutting fire breaks and buying more fire equipment, we wouldn't have these issues.

Don't need FGN any where near DC. Isn't 3 Obummer terms enough All ready 😡🤬😡

If you are an insured and have never filed a claim in 30+ years, this is a slap in the face. Insurance company by then made so much money and never had to do anything…. So IMO, this should only apply to those who have filed multiple claims in the last 5 years….

I am an insurance agent, California insurance costs are already too high and they want to increase it even more?!

There's a big thing being missed here. PG&E, as much as I hate to defend them, they tried at one point to go in to maintain and cut back undergrowth/overgrowth. They were met with environmentalists and the State telling them they could not as it was considered "hurting" the ecosystem... Then it all burned... Multiple times...

I grew up in California during the 90s and early 2000s. I recently visited the state, and it's become a dystopian Hell. The trash, filth, homelessness, and ridiculously high prices for everything are out of control.