OB or GC? Insurance might decide for you

[Kelena]

Hope Baby (we really need to get together before you leave and talk about English as a Second Language over a magna cumma latte), insurance is astonishingly high in Hawaii. I cannot address your specific situation, but I can tell you what I have learned. Insurance will be more expensive and the available carriers will be more limited if the location of your house has special issues. In my case, I am a zillion miles away from a fire hydrant, and very close to the ocean (not a plus for insurance purposes). These are special issues. In your case, you are in lava zone 2. In these special situations, the number of available insurance companies declines. That makes the insurance pricier (less competition). The insurance on my California house is much less than the insurance on Hale Lavalava (my place in Puna), although my California place could be demolished in an earthquake really quickly. That is in part because I share the risk with so many others. In Hawaii, when you are in a special situation, you are sharing the risk with a much smaller pool of individuals. That increases the cost of insurance. Please do count yourself lucky though: You are not in a Tsunami Zone. Tsunami zone bad!

I'm sure others in your neighborhood will be able to give you a better idea of what you might expect (tell them I want to sleep on their lanai). And Kevin Yee rocks. I love that guy.

Get your buns up to Oceanside some weekend and I will BBQ for you (only veggie stuff so my breath will be fresh and kuh-lean for da stuff I ain't nevah gonna get!).