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.

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 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.

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

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

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.

i have lived in CA for 14 years, without a doubt the worst thing about CA is the government. expensive, slow, and poor results

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’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.

David, In the mountain areas the goat herders were once allowed to drive their herds to a stockyard. The busybodies had a law passed to prevent this from happening in the mid to late 70s. This resulted in the vast overgrowth of scrub brush and consequent increased fire damage.

I was in San Diego last weekend and noticed that food prices are ridiculous. I saw pizza joints selling 2 slices of pizza and a beer for $23.99!!! That's outrageous. I'm from British Columbia (where it's super expensive too) and I just couldn't fathom paying $30 CAD for 2 slices of pepperoni pizza and a watered down beer. So brutal.

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.

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 lived in CA for almost 40 years. The increase in forest fires went hand in hand with environmental laws not allowing land owners to clear brush and dead trees from their property. I'm pretty sure that massive forest fires kill more animals than chopping down dead trees.

32year old born and raised in California. This state has gotten worse EVERY single year, year after year. I don’t know how this man has stayed in office or how these idiots continue to vote for him. Drugs, crime, homelessness… it needs to end.

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

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

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

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

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 😮

Native Californian here, born Sonoma county 1958.. I left to serve my country in 1975. When I came back the change had begun. I have family who still live in the San Fernando Valley. There isn't a gun big enough to get me to visit. My L.A. had sky that was orange on a good day sure. Our teachers would just have us sit quietly in class with the lights out and skip Recess, but I could go ANYWHERE I WANTED as a 9 year old and Mom never had any idea where we were. NOBODY drove kids to school. We walked, 2 miles crossing the 405 Fwy nobody worried. Now every neighborhood is a ghetto.

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.

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

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

I have been a California insurance broker for over 40 years. This has nothing to do with climate change. I have also worked as a consultant for PG&E, EDISON, etc. California has differed Federal money meant for forester fire fuel reduction.

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

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.

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.

Between the wildfires, mass break ins, and mass looting.

I voted for to recall Gruesome. We need to get him out of office he's a disease that just keeps getting worse. California deserves much better.

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

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

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 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

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.

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 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. :(

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 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.

Newsom belongs in prison.

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 live in MN. Our home insurance increased $60 a month.

State Farm is the least of California’s problem

*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*

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

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.

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

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!🤪🤠🤡🤡🤡

Because the state of California will not allow rate increases, my insurance company left California. I had to go with the "California Fair Plan" and a private wrap around policy. This was an increase of 110% for my home owners insurance.

Insurance is legalized theft. If I never make a claim, i will have spent 10s of thousands dollars with nothing received. Nada.

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!

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

It's a shame how they treat the public.

I’m from Idaho and the exodus from CA is killing our cost of living. Our houses value went from 180k to 388k. Our kids cannot afford a house or rent. Our property tax almost doubled. They try bringing there liberal views into our community. I just wish they would stay home.

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.

Very sad what has happened to California, wake up people

After dealing with State Farm after the Paradise Fire, I BEG State Farm to leave. This is the Best News I’ve heard since our fire!!!!

So nobody’s going to mention that State Farm is one of the worst insurance? They fight you to pay you!

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.

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.

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!!!

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.

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.

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.

It's about time! Forced insurance on the entire state is a disgrace!

How about getting those CEO's to stop taking a salary of $20 million a year

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.

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

Until we can really hold these politicians accountable this problem will continue to get worse. I do not live in California, but my homeowner's insurance increased this year by 100%! How soon are people that outright own their homes going to drop their insurance because of this kind of increase?

To be fair. California do Always be on fire like every year. When I was growing up I lived all the way over in Upland and I could see the fires burning near LA on the sides of the mountain that’s how big it all was. We had multiple days where school was shut down due to Ash coating the school and the cars

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.

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

The question is why did they let companies off the hook that cause damage? Can't blame the insurance companies for leaving. I'm tired of the corruption going on and we are the ones that suffer the consequences.

Implement forest management programs and let pg and e implement infrastructure improvements insteadnof renewable energy mandates.

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

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

we tried to get him out of office and i signed the petition- apparently...this is what Cali wants!!

PG&E was “let off the hook” by the state because the state tied their hands by not allowing appropriate rate increases to cover clearing costs and simultaneously preventing them from performing clearing with “environmental” regulation. California has become a shit show. I became a political refugee 20 years ago.

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.

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

Leave State Farm.

California also stopped clearing out the dead brush which meant more to burn when a fire does happen.

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 husband keeps telling his childhood friend in California to pack up his family and flee! The rising costs, crime, anti-family/child laws and now this, It's all too much.

Trump called him on that for not preparing for fire season and stopped the money for the high speed rail because they stop work on it .

I haven't met anyone yet in California who wanted Gavin Nonsense or reelected him when there was a vote out

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.

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

20 years ago when I started my business most of my clients were on the west coast. Now all have either left or gone under.

The fact that they used a "climate" euphemism makes me hate them.

We left California in 2022 and decided to rent our house. There definitely is an insurance crisis. Our insurance rates have more than doubled and unfortunately we have to pass this on to our tenants.

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

FL resi here. Let’s keep in mind this was done here. The gov’s response was genius, however. “Okay, go. But take the auto, boat, motorcycle, etc plans with you as well.” Needless to say the insurance companies buckled.

Florida is different than California, the issue in Florida is insurance along the coast. I live in Central Florida and have no issue getting several rates each year when I renew.

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

Insurance companies made money for years before the California fire disaster, that’s ok when people pay for years without any claim.

I owned 2 insurance agency and i had to close both of them😢😢😢😢.... now im on the sideline waiting for changes... and im mowing lawns for a living... i owned my offices for 20 years!... used to make over 200k a year!!! Now i make 40k a year

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.