Homeowners insurance premiums in San Diego County have risen sharply, with a 41% increase from 2020 to 2024, averaging $1,333 annually for $300,000 coverage. Rising wildfire risks, insurers limiting coverage, inflation, and increased high fire hazard zones contribute to higher costs. Consumers are advised to shop around and use fire-resistant measures. New regulations and legislation may improve market stability and coverage options by mid-2026.
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