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It's no secret that this is a challenging time for many, and the insurance industry is reacting to the new world we're in as a result of COVID-19.They're implementing everything from rebates and refunds to new policies.As many aspects of life are different now, motorists are traveling less and getting in fewer accidents. Recent events have also caused an increased interest in life insurance.“More customers are considering life insurance (as) an opportunity for us to help them recover from the unexpected around COVID,” says Kristyn Cook, senior vice president of agency marketing at State Farm Insurance.Interest in life insurance is swelling across the nation and being noticed industry wide. The Insurance Information Institute helps people understand insurance and what it does.Insurance Information Institute director Janet Ruiz said COVID-19 got people thinking.“I think they’re concerned and thinking about mortality and illness in the world,” Ruiz said. “It’s always important to have life insurance but sometimes people are so busy, they’re not paying attention to these types of needs they have whereas right now they’re looking at their financial picture and thinking, ‘Hey, I should have life insurance for my family and make sure they’re taken care of if something happens to me.’”And she says they have more time to prepare for catastrophe.For State Farm, that's helping people navigate what could happen in your region."There are very real significant risks relative to wildfires in California or hurricanes in Florida, or storms in general,” Cook said. “One of the things we pride ourselves on not just helping people recover when something happens but how to help them think about risk mitigation on the front end.”Cook says State Farm's 19,000 agents across the country are talking to clients about how to protect your home. Things like taking inventory, reviewing what kind of coverage you have and what you can do to structurally to protect your home. These are things, that before COVID-19, people would push off for a later date.“People are home and they have more time sometimes to think about the what if scenarios and that intersects with our reach out by our agents to say how can we help you," Cook said.Another big change is automotive coverage. Auto insurance customers policy should check their policies and reach out to their agents. Companies are sending refunds or rebates to customers due to changing driving habits.“We call it good neighbor relief program,” Cook said. “Payment flexibility, options relative to providing relief, we announced a dividend, a return of value to customers to the tune of billion recognizing they are doing less driving and there are fewer accidents.”Some are beefing up homeowner and renter policies, again, thinking about things as they're home and reviewing their properties.“If there’s a water leak, they’ll detect it quickly and get it fixed and they’re not having as much theft because they’re around the house and so you don’t have the thieves coming in while you’re at work,” Ruiz said.She also said most agencies are allowing you to put off payments for a month or two if you need a financial break. State Farm realizes that looks different for every customer and their unique situation. 3275

INTERACTIVE MAP: Where the Woolsey?Fire is burning in Ventura and LA countiesMALIBU (CNS) -The Woolsey Fire that has burned at least 83,000 acres in Los Angeles and Ventura counties has claimed the homes of several celebrities, along with the historic Paramount Ranch, where countless movies and television shows have been filmed since 1927.The ranch -- which served as a location for shows such as "MASH," "Dr. Quinn, Medicine Woman," and most recently, HBO's "Westworld" -- was destroyed save for a chapel, according to the National Park Service, which operates the site.The mansion used for ABC's "The Bachelor" escaped destruction, but the fire did burn the lower house. No one was at the location at the time with the current cast filming abroad, network officials said.RELATED: Woolsey Fire burns 70,000 acres, still zero percent containmentMany celebrities evacuated their homes, including "Lord of the Rings" star Orlando Bloom, reality TV star Kim Kardashian West, "The Shape of Water" director Guillermo del Toro, actors Alyssa Milano, Rainn Wilson and Mark Hamill, singers Melissa Etheridge and Lady Gaga, and MGM TV chairman Mark Burnett and his wife, producer-actress Roma Downey.According to US Weekly, singer Robin Thicke lost his Malibu home.The homes of "Dr. Strange" director Scott Derrickson and Fox Sports' Eric Wynalda were destroyed by the fire.RELATED: Caitlyn Jenner's Malibu home destroyed in Woolsey Fire, Kardashians evacuate"We lost our home, but we are all safe and that's the important thing," Derrickson tweeted Friday."Gonna be offline for awhile," Wynalda tweeted. "Gone. Brutal. Watched it burn on live TV."Caitlyn Jenner's hilltop home was also reported to be in danger. "We don't know how badly the house burned but it's not looking good," she tweeted Saturday afternoon.Milano was one of many celebrities who have tweeted, saying "Horses are finally safe. My children are safe. My home is in jeopardy but... everything with a heartbeat is safe. Thank you all for your concern."RELATED: Neighbors flee in panic as Woolsey Fire levels homes in CalabasasLady Gaga tweeted, "I am thinking so deeply for everyone who is suffering today from these abominable fires & grieving the loss of their homes or loved ones. I'm sitting here with many of you wondering if my home will burst into flames. All we can do is pray together & for each other. God Bless You."Though actor Will Smith's home wasn't in an evacuation zone yet, he tweeted: "I don't like it, so we're gonna go."Actor Martin Sheen and his wife Janet were said to be safe after their son, actor Charlie Sheen, tweeted on Friday that he couldn't locate them. A local news crew later found the elder Sheen on the beach where many local evacuees had gathered. 2777

It’s all hands on deck during harvest time at Infinite Harvest.This indoor, hydroponic farm in Colorado specializes in microgreens, young vegetables grown in a controlled environment and cropped shortly after they’ve sprouted.Production manager Luke Blough says microgreen sales have quadrupled in the past nine months with more consumers becoming more health, sustainability and environmentally conscious.“We kind of check all three of those boxes,” he said. “Our microgreen products are very nutrient dense; very flavorful. They’re sustainably grown locally and we have less environmental impact.”There's less environmental impact because of the way they’re grown. Stacking shelves of microgreens and growing them under LED lights means using about 95% less land than traditional farming.This method is catching on nationally.“Consumers are becoming more interested in microgreens,” said Sarah A. Johnson, Ph.D., with the food science and human nutrition department at Colorado State University. “They’re a relatively new agricultural food crop.”.In addition to the nutritional and environmental benefits, Johnson’s team found that microgreens could have major impacts in urban areas by making fresh produce more easily available to areas considered food deserts.“I think they have a lot of potential to kind of pop up all over the place,” she said. “Not just with these large companies but with smaller sort of pop-up, start-up companies as well.”As more farmers look to avoid unpredictable weather and leave less of a carbon footprint, experts predict microgreen consumption will continue growing nationwide“There are a couple of things we can do in a controlled environment that you can’t really do when you’re at the mercy of Mother Nature,” Blough said. 1768

It's been an above-normal day of controversy in Washington D.C. with regard to President Donald Trump and his border wall funding needs.The President met with the top House and Senate Democrats at the White House to talk about the funding, which, if it continues dividing the government, will lead to a shutdown.The deadline for the border wall funding to be approved is Dec. 21 — the end of a current funding extension lawmakers passed after the death of former President George H.W. Bush. Here are some things to know about the situation:? Trump says he will "proudly" shut down the government if Congress doesn't approve his request for billion for the border wall and security, which is designed to keep people in Mexico from crossing into the U.S. illegally 773

It's not too hard to spot massive housing projects being built around San Diego County right now.But they may not be enough to provide little relief to the rising rents and home prices around the region.A recent report from the San Diego Housing Commission said the city would need to build on average as many as 22,000 housing units per year for the next decade. But in 2017, only 10,000 units were authorized countywide."It's not so much that there is resistance to it, it's just the fact that it's hard to do," said Jeff Stevens, chair of the Mira Mesa Community Planning Group. "If you have to tear something down in order to build something else, it takes time and money."Some of the city's larger projects are in Mira Mesa - where Casa Mira View will have about 2,000 apartments when complete.And to the west at Hansen's Aggregates, a quarry that runs through Carroll Canyon, Shea and Lennar are planning to build what's called 3 Roots. The complex would have 1,800 units - including 186 single-family homes, 981 condos, and 633 apartments (180 of which will be affordable). The complex is about to go through environmental review. Still, residents are already expressing concerns over impacts like traffic."I want people to have affordable housing, that's very important. And also we want the contractors, subcontractors to have jobs, and growth is always important. But they need to think it through first before they do it," said John Svelan, a longtime Mira Mesa resident. ,Stevens said his board has reacted positively to 3 Roots, which would extend Carroll Canyon road. Another complex is being proposed over at Vulcan Materials for about 4,500 homes, but that's further away. The city of San Diego recently approved a series of development incentives, including density bonusses for micro-units near transit areas, that it hopes spurs more building. Lynn Reaser, chief economist at Point Loma Nazarene University, said it may take 15,000 new units per year just to stabilize the market. Meanwhile, Alan Gin, economist at the University of San Diego, noted that the region added 27,000 new jobs in the last year, increasing the demand for housing.    2220