{"id":385777,"date":"2026-07-04T04:11:55","date_gmt":"2026-07-04T04:11:55","guid":{"rendered":"https:\/\/www.newsbeep.com\/us-ca\/385777\/"},"modified":"2026-07-04T04:11:55","modified_gmt":"2026-07-04T04:11:55","slug":"socal-mom-sees-insurance-premium-jump-350-and-it-could-be-higher-for-others","status":"publish","type":"post","link":"https:\/\/www.newsbeep.com\/us-ca\/385777\/","title":{"rendered":"SoCal mom sees insurance premium jump 350% \u2014 and it could be higher for others"},"content":{"rendered":"

A San Diego-area mom<\/a> was hit with jaw-dropping sticker shock after her homeowners insurance bill skyrocketed 350% in just one year \u2014 despite being covered by California\u2019s \u201clast resort\u201d insurance<\/a> plan.<\/p>\n

Chrystal Nowakowski, a real estate agent in Vista, was dropped by Farmer\u2019s Insurance after filing too many claims and turned to the California FAIR Plan in 2023 for coverage.<\/p>\n

The state-backed plan initially cost her just $900 a year, but that changed in a hurry. In late December 2025, Nowakowski opened her mail to find her annual premium had exploded to roughly $4,000.<\/p>\n

A Vista mom saw her homeowners insurance bill skyrocketed 350% in just one year. ABC10<\/p>\n

Her annual insurance premium skyrocketed from $900 to $4,000 after being dropped by Farmers. ABC10<\/p>\n

\u201cIt was when I opened up that piece of mail and I, you know, I was like, what? It\u2019s insanity. They basically told me that my fire zone rating went from a zero to two and that was the biggest factor, but that they also had to adjust for inflation,\u201d she told ABC10<\/a>.<\/p>\n

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The California Fair Plan<\/a> is a last resort insurance plan and a private association made up of all insurance companies<\/a> licensed to do business in California.<\/p>\n

The plan is designed to provide \u201cbasic fire insurance coverage for high-risk properties when traditional insurance companies will not.\u201d<\/p>\n

A California FAIR Property booth outdoors. California FAIR Plan Association<\/p>\n

Nowakowski said she appealed the decision and was able to get her rates down to $3000, but said prices would go up again between 30% to 50% in October. Instagram\/@chrystalthe_realtor<\/p>\n

Nowakowski said she appealed the decision and was able to get her rates down to $3000, but said prices would go up again between 30% to 50% in October.<\/p>\n

The California FAIR Plan declined to comment on Nowakowski\u2019s specific case when asked by ABC10<\/a> but confirmed that state regulators approved an average 29.1% rate increase that takes effect in October. <\/p>\n

Officials noted that homeowners in areas facing greater wildfire risk could see premium hikes that exceed the statewide average.<\/p>\n

California homeowners typically pay around $1335 for insurance but homes in high-risk wildfire zones have to pay significantly more, according to Hippo Insurance Services<\/a>. <\/p>\n

In recent years, FAIR Plan enrollment has nearly tripled and insurance premiums have also increased by 84% from 2020 to March 2026, according to a research conducted by Stanford. <\/a><\/p>\n

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