Residents in Jamul are facing substantial increases in homeowners insurance premiums, with one longtime policyholder reporting a dramatic surge from $2,282 in 2021 to $9,877 for the upcoming year. Jeff Goodhartz, who has been insured with State Farm for over 40 years, expressed dismay over the more than fourfold increase compared to three years ago, calling the rise “obscene.”
“I have had State Farm homeowners insurance for over 40 years, the last 35 in Jamul, with no claims beyond a couple of home break-ins of low value,” Goodhartz stated. “This coming year it’s $9,877. That is more than double from last year alone, and more than quadruple three years ago. This is more than gouging, it’s obscene. I have had little help so far from officials and fear that I may have to go without insurance if this continues to be their policy. Who is stepping up to help homeowners now?”
The sharp increase in premiums has sparked concerns among residents and calls for intervention from authorities to mitigate the financial strain on homeowners. Goodhartz’s plea for assistance highlights the growing frustration over the affordability and accessibility of homeowners insurance in high-risk areas like Jamul.
In a separate concern voiced by another resident, the fairness of insurance pricing has come into question. Emphasizing the need for equitable rates, particularly through the California FAIR Plan, residents argue that those with lower-risk homes should not bear the burden of subsidizing higher-risk properties.
“Are the big bad insurance companies making a profit by selling fire insurance in California?” questioned another concerned resident. “If yes, they should have to justify every cancellation. If not, no one can force any business to sell any product knowing that they will not profit from the sales.”
Residents are demanding transparency and fairness in insurance practices, urging policymakers to ensure that all homeowners have access to reasonably priced coverage without shouldering disproportionate costs due to the decisions of others.
The issue underscores broader challenges faced by homeowners in high-risk areas across California, prompting calls for immediate action to address the affordability and accessibility of insurance policies in the state.
