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More than 260-thousand California homeowners are bracing for sticker shock. The sixth largest insurer in the state is raising rates through its two main subsidiaries. Those with USAA will pay an extra 16-percent for homes and 31-percent for condos by February. It’s even higher through USAA Casualty Insurance Company. Homeowners are looking at 25-percent while condo rates soar 40-percent in December.