California E&S Insurance

My California home insurance is going up 50% ... Why? We have been in Ventura County for a long time and I've never seen an increase like this. Last year we were paying roughly about $5,000 a year. My insurance agent informed us it's going to be $9,578 this year. What are others seeing for home insurance in California? While we are fortunate we can afford this increase, it's still a huge amount of extra money for my family. That's money I'm not putting toward retirement each month. What's screwed up is we have never had a claim and our house isn't near wildfire areas. Our agent said most are going to tell us the same thing. I did get quotes from all the big insurance companies. Most are the same or higher. My agent told us there is nothing I can do. Should we raise our deductible? That's the only way to save on premiums. I get there wildfire risk for the Southern California but I've never made a claim. Why is California home insurance going up so much? I’m starting to understand why so many neighbors are selling, going bare-bones, or leaving California for less expensive states. Do you live in California and seeing similar increases for home insurance? How are you budgeting for the increases? UPDATE - I realize it is actually 100% increase lol.

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  "title": "My California home insurance is going up 50% ... Why?",
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