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California home insurance: What’s more important, coverage or cost?

Published Fri, 22 Nov 2024 01:19:19 GMT

California’s home insurance challenges are a complex web of risk management, construction costs, pricing algorithms, climate forecasts and regulatory minutia.Recently, State Farm and Allstate — two major home insurers in California – chose to stop writing new property policies, citing rising costs. Their moves raise fears of a potential statewide insurance shortage.This begs the question: What are fair premiums and how will they offer homeowners decent protection while providing insurers a fair profit?Now, insurance pricing logic makes the average human’s head hurt. It requires calculating the risks of everything from major catastrophes to modest calamities at just one home. The variables run from climate to construction to crime.Add that up and then make a big bet: How much money for how much protection?Let my trusty spreadsheet try to explain this odd dynamic, using some awfully basic math to highlight the tussle between a property owner and an insurer.Proper premiumsWe all know t...

In a gay rights defeat, Supreme Court rules for Christian designer who objects to making gay couples’ wedding websites

Published Fri, 22 Nov 2024 01:19:19 GMT

WASHINGTON (AP) — In a gay rights defeat, Supreme Court rules for Christian designer who objects to making gay couples’ wedding websites.

Silicon Valley school sites serve as convenient places to help feed families

Published Fri, 22 Nov 2024 01:19:19 GMT

Editor’s note: This story is part of the annual Mosaic Journalism Workshop for Bay Area high school students, a two-week intensive course in journalism. Students in the program report and photograph stories under the guidance of professional journalists.Ali Preston had been with HP Inc., formerly Hewlett Packard, for 10 years and her husband had an automotive job for 30 years when the COVID pandemic hit in 2020. Amid the waves of layoffs, they both lost their jobs.“I never thought I’d be going to a food bank,” Preston said after picking up produce, dried goods and chicken at Branham High School in San Jose. “We were always the ones who donated.”As the pandemic affected families and its aftermath continues to cause widespread food insecurity, schools have increasingly provided directly to families or invited outside food groups onto campus. Preston’s food came from Second Harvest of Silicon Valley.Based on enrollment data from the 2019-20 school year, 3.9 million students in Ca...

The Supreme Court rules for a designer who doesn't want to make wedding websites for gay couples

Published Fri, 22 Nov 2024 01:19:19 GMT

WASHINGTON (AP) — In a defeat for gay rights, the Supreme Court's conservative majority ruled Friday that a Christian graphic artist who wants to design wedding websites can refuse to work with same-sex couples. The court ruled 6-3 for designer Lorie Smith despite a Colorado law that bars discrimination based on sexual orientation, race, gender and other characteristics. Smith had argued that the law violates her free speech rights.Smith's opponents warned that a win for her would allow a range of businesses to discriminate, refusing to serve Black, Jewish or Muslim customers, interracial or interfaith couples or immigrants. But Smith and her supporters had said that a ruling against her would force artists — from painters and photographers to writers and musicians — to do work that is against their beliefs. Smith’s lawyer, Kristen Waggoner, said the Supreme Court was right to reaffirm that the government cannot compel people to say things they do not believe.“Disagreement isn’t dis...

Verbal confrontation leads to shooting in Rohnert Park

Published Fri, 22 Nov 2024 01:19:19 GMT

(KRON) -- A man was arrested for an attempted homicide that occurred on Sunday just before 7 p.m. after a verbal confrontation led to a shooting in Rohnert Park.According to police, the suspect followed the victim to the 7500 block of Burton Avenue where both individuals argued with each other while they were in their vehicles. The suspect then pulled out a handgun and fired one shot that struck the driver’s side door of the victim’s vehicle. Grad student commutes to UC Berkeley by plane to save on rent The suspect fled the area shortly after, according to police. The victim was not injured during the incident. Police say the victim did not report the shooting until the day after it occurred. The suspect, suspect vehicle and a handgun were located by police on Wednesday in the 300 block of Eastwood Drive in Petaluma. The suspect, Richard Brandon Meza, was taken into custody without incident. KRON On is streaming news live now.embed-container { position: relative; padding...

Marin County Fair kicks off today

Published Fri, 22 Nov 2024 01:19:19 GMT

(KRON) -- The Marin County Fair officially kicks off today and will run through the Fourth of July holiday from 11 a.m to 11 p.m.Tickets are $25 and can be purchased online at the fair's website. Active military and children under four-years-old can enter the fair for free everyday. 2 displaced in Santa Rosa house fire, $600K in damages On Friday, the fair is offering free admission for children under 12-years-old, seniors over 65-years-old and veterans with proper identification. The Marin County Fair has over 120,000 attendees annually.Watch KRON4's Michael Thomas' live report in San Rafael at the video player above.

Sale a la luz “Misión Cumplida”, el álbum póstumo de Jenni Rivera

Published Fri, 22 Nov 2024 01:19:19 GMT

MIAMI – “Misión Cumplida”, el álbum póstumo de la cantante, actriz, compositora, y productora estadounidense de origen mexicano Jenni Rivera (1969-2012), honra sus inicios como cantante de banda en Sinaloa (México) con toda su “presencia escénica y energía”, dijeron a EFE tres de sus hijos.De los 16 temas del álbum publicado este viernes nueve son canciones que dejó grabadas y salen a la luz por primera vez.“Creo que este disco se parece mucho más a cómo se escuchaba ella en los escenarios con su Banda La Divina, que era de Mazatlán, Sinaloa, por lo que siento que el sonido les quedó muy bien”, dice a EFE Johnny López, uno de los cinco hijos de la artista. Juan Rivera revela detalles desconocidos de la muerte de su hermana Jenni Juan Rivera relata lo que su hermana Jenni le pidió antes de morir El disco, en cuya portada aparecen varias fotografías de distintas épocas de la vida de Jenni Ri...

Supreme Court rejects 1st of two challenges to Biden student loan forgiveness plan; second decision expected imminently

Published Fri, 22 Nov 2024 01:19:19 GMT

WASHINGTON (AP) — Supreme Court rejects 1st of two challenges to Biden student loan forgiveness plan; second decision expected imminently.Source

La Corte Suprema de Estados Unidos limita las protecciones LGBTQ

Published Fri, 22 Nov 2024 01:19:19 GMT

(CNN) — La Corte Suprema de Estados Unidos falló este viernes a favor de un diseñador de páginas web cristiano de Colorado que se niega a crear sitios web para celebrar bodas entre personas del mismo sexo por objeciones religiosas.La decisión de 6-3 fue escrita por el juez Neil Gorsuch y acompañada por el presidente de la Corte Suprema, John Roberts, y los jueces Samuel Alito, Amy Coney Barrett, Brett Kavanaugh y Clarence Thomas. La magistrada Sonia Sotomayor escribió un voto en contra al que se sumaron sus colegas liberales, las magistradas Elena Kagan y Ketanji Brown Jackson.La Corte Suprema de EE.UU. acaba con la acción afirmativa basada en la raza en las admisiones universitariasLa decisión —basada en motivos de libertad de expresión— traspasará las leyes estatales de establecimientos públicos para aquellos negocios que vendan los llamados bienes “expresivos”. Es la última victoria de los conservadores religiosos en el alto tribunal y alarmará a los críticos qu...

Arizona couple awakened to uninvited alligator inside Louisiana home

Published Fri, 22 Nov 2024 01:19:19 GMT

LAFAYETTE, La. – A couple who recently relocated from Arizona to Louisiana got more than they bargained for when they woke up in the middle of the night to find an unexpected guest inside their new home. It wasn’t a burglar or an intruder, but rather a five-foot-long alligator.Don and Jan Schultz were jolted awake by their vigilant seven-year-old dog, Panda, who sensed something amiss. “Our dog Panda growled and woke my wife up,” Don Schultz recounted. “She tapped me and said, ‘I think there’s somebody in the house.’ So, I got up and headed down the hall to check. I saw the shape of an alligator.”The brazen reptile had managed to enter the house through the doggy door, taking advantage of an unintended entry point. Alarmed by the situation, the Schultz couple immediately dialed 911, and authorities from the local Sheriff’s department and Wildlife and Fisheries swiftly responded to their call.“We are real grateful for ...