SoCal homeowners face soaring insurance premiums, policies reviewed by A.I.

For millions of Southern California homeowners, insurance is becoming harder to afford as rates soar.

Some are even being told their policies are no longer being reviewed by a person, but instead by an algorithm.

“Well, it’s not fair. It’s not fair,” said Paul, a Santa Clarita homeowner. “None of it is fair, but I’m one guy. I can’t do a whole lot besides pay the premium and say, thank you for another year, State Farm.”

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Paul and his wife, Cheryl, have seen their insurance steadily climb over the years. When they moved into their current 2,900-square-foot house in 2014, State Farm charged an annual premium of less than $1,200 for a policy with a $4,000 deductible…

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