this post was submitted on 30 Jun 2024
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[–] tal@lemmy.today 22 points 4 months ago (3 children)

They are the largest residential homeowners insurers in California, insuring 1 in 5 homes.

"The rate filing that State Farm just made yesterday (Thursday), they're triggering a rarely used part of the insurance law," said Soller.

"It's a regulation meant to address a company's financial solvency. That's what they're saying and we're going to look closely at that, and we have some serious questions about State Farm's financial condition and we're going to get to the bottom of it. "

That actually sounds like a rather bigger deal that I first thought from the title, if they're on the brink of going under...

[–] Telodzrum@lemmy.world 11 points 4 months ago (1 children)

State Farm of California is at risk of insolvency due to the risks associated with home owners insurance there. This has been coming for decades and other insurers have even put multiyear pauses on issuing new policies in the past.

[–] skuzz@discuss.tchncs.de 3 points 4 months ago* (last edited 4 months ago)

Do the insurance companies shield themselves by dividing into regional/state zones?

Edit: also, because it seems it'd be safer to balance risk v reward across the whole country. (They also invest insurance money in the stock market where most of their profit comes from.) Although, I suppose it'd be easier to grift states of their money when it looks like a subsidiary is failing rather than just looking at the whole balance sheet instead.

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