The T word

The third rail of Nevada politics was completely off-limits tonight on either side of the aisle. I was right. 

Jim Gibbons tells us that we Nevadans will need to take more personal responsibility. I guess that’s because he and the state legislators refuse to act like grownups and spread the pain evenly.

For all the nimrods thinking that cutting services is a way to save money

Think again.

From a sidebar to a Reno Gazette-Journal article discussing the risks of cutting firefighting services we find out that those cuts that may very well raise homeowners’ and business owners’ insurance rates.

How the fire changes affect your insurance
With a shrinking depth of resources, Reno fire operations chief Joe Durousseau said the Insurance Services Office could review the city’s fire rating, a factor in what people pay for home and business insurance.

  • On a 1 to 10 scale, with 1 being the best, Reno is rated as a Class 4 fire district in areas with hydrants, Class 8 in areas without them.
  • Sierra Fire District, which provides service in rural areas, has a Class 5 rating for areas with fire hydrants and an 8 in areas without them.
  • About 40 percent of the rating is based on fire hydrant access with the rest devoted to firefighting quality.
  • One survey showed a jump from a Class 3 to 5 meant an average $185 yearly insurance increase for a $200,000 home.
  • Call your insurance agency to find out the premium rate changes on your home or business.

Source: RGJ research

But at least we won’t be paying more taxes. Talk about cutting off your nose to spite your face!