房险和车险都在他们家，半年期的，这两天房险出了涨了30% 
车险还没出但是估计也要涨。
看到说好多保险公司都从加州跑路了，是该接受这个涨幅还是找下家呢？
后续：quote了progressive，mercury，Geico都比涨价后的价格还贵50% 
打算直接续约了
搬去NE和大兄弟做兄弟
推荐内布拉斯加州
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接受和找下家不能同时做吗？
论坛不鼓励脚踏两船
progressive，我的farmers房险涨了20%，Geico车险降了10%，但是去progressive分别试了下都更便宜
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不如去北达科他州，而且ND还方便去大家拿 
過幾年應該就沒有房險公司願意在加州賣了。
我也在找quote了一下progressive要1600 home，感觉有点小贵
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我最后找了个insurance agent，涨价了就叫他去quote，真的能找到更便宜的，自己只要签名就行了。
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来隔壁nevada 省下的州税够付2个投资房 
quote了progressive，mercury，Geico都比涨价后的价格还贵50% 打算直接续约了
为啥，地震，零元购吗？
有些不负责任的agent帮你瞎填，使得你拿到本来不该拿到的折扣，到真想理赔时就惨了。
签字时还是要自己把关填的内容，agent只是提供信息
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wildfire之类的吧，已经跑了很多家了
试试hippo 我涨了一点不过还是最便宜的 靠不靠谱就不知道了
想便宜还可以提高deductible 有多高就多高 做好准备只有房子烧没了才去理赔
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同是farmers 我房险涨了2%，车险本来涨了10%。但是我和agent 说可以把里程改低，最后end up with 涨了4%
It's not just State Farm. Allstate no longer sells new home insurance policies in California.
State Farm, All State 不再接受加州新保單
AmGUARD，Falls Lake 不再續新保單
Insurers have been pulling out of California due to high wildfire threats, climate change, high inflation, rising construction costs, and a regulatory framework that makes it difficult for companies to have rate hikes approved, according to representatives from the insurance industry.
State Farm did cite California’s increasing wildfire risk and home construction prices, but there are other influences to consider.
One is state insurance regulations that can limit premium increases, prohibit policy cancellations and require certain levels of coverage. Insurer Chubb’s chief executive mentioned restrictions that left it unable to charge “an adequate price for the risk” as part of the reason for its 2022 decision to not renew policies for expensive homes in high-risk areas of California. California also has a unique “efficient proximate cause” rule that forces property insurers to also cover post-fire flooding, such as mudslides. Rainy winters like 2023’s often trigger destructive mudslides in wildfire burn areas.