Ruth Stroup - the Insurance Lady

05/24/2026

Agency transferred to Odalis Ordonez. Phone is still 510-874-5700.

Contact Odalis Ordonez, your Farmers Insurance agent in Oakland, CA 94610, specializing in Auto, Home, Business Insurance and more.

04/26/2024

Hi friends, its that time of year again!
bring your documents to 3560 Grand Ave for Communiity Shred Day!

Join us on April 27, 2024, for Community Shred Day. Safely get rid of all your old documents and sensitive papers. Free and Unlimited!!!

10/16/2023

Shred Day returns! Saturday October 21 from 10am to 2pm. FREE and UNLIMITED document shredding. 3560 Grand Ave

Shred & Recycle your outdated personal documents - prevent identity theft! All papers will be shredded on site. Free and Unlimited.

07/25/2023

07/24/2023

A bit of home improvement humor...

Best fan ever

07/22/2023

Safety Tips:

Park in well-lit areas.
Close and lock all windows and doors when you park.
Put away your valuables.
Do not leave your keys in your vehicle.
Do not leave the area while your vehicle is running.
Remember to lock your vehicle every time you walk away to prevent vehicle theft.

The first six months of this year saw more than 23,974 vehicle thefts, according to the Council on Criminal Justice.

07/22/2023

Here's a few vehicle safety tips
Park in well-lit areas.
Close and lock all windows and doors when you park.
Put away your valuables.
Do not leave your keys in your vehicle.
Do not leave the area while your vehicle is running.
Remember to lock your vehicle every time you walk away to prevent vehicle theft.

The first six months of this year saw more than 23,974 vehicle thefts, according to the Council on Criminal Justice.

07/21/2023

a good explainer from the NY times about CA insurance market
https://messaging-custom-newsletters.nytimes.com/template/oakv2?campaign_id=228&emc=edit_pc_20230721&instance_id=98135&nl=peter-coy&productCode=PC®i_id=77915976&segment_id=139950&te=1&uri=nyt%3A%2F%2Fnewsletter%2F0f152a6a-c8d1-5ef7-8f52-0c85407c2267&user_id=9ca969be90728ebc41a3782027fb1307

In California, the bigger problem has been a culture of keeping rates low at all costs. California is the only state that won’t allow insurers to use rising reinsurance costs to justify rate-hike requests. It’s also the only state that won’t let insurers base their requests on projections of rising costs. Regulators look backward at claims experience over the previous 20 years. So even though climate change is likely to cause more losses from wildfires, mudslides and the like, the state excludes it from consideration. Proposition 103, passed in 1988, allows public interest groups to contest requests for hikes of 7 percent or more. That drags out and sometimes stymies the approval process. Delays in the process are especially costly when inflation is running hot. No wonder insurance companies are cutting back in the state or getting out.

As different as California and Florida are, they share one big problem: Insurance companies are curtailing business in the two states. Some aren’t writing new policies. Others are going further and not renewing policies as they expire. I’m picturing vans pulling out of Sacramento or Tallahassee ...