POWER OF ATTORNEY
KNOW ALL MEN BY THESE PRESENTS, that the undersigned hereby constitutes and
appoints Maxim CW Webb and John T. Perri, and each of them individually,
his or her true and lawful attorney in fact to:

(1) execute for and on behalf of the undersigned, in the undersigned's
capacity as an officer or director of PICO Holdings, Inc. (the Company),
any and all reports required to be filed by the undersigned or Form 3, 4
and 5 reports in accordance with Section 16(a) of the Securities Exchange
Act of 1934, as amended, and the rules thereunder
(2) do and perform any and all acts for and on behalf of the undersigned
which may be necessary or desirable to complete and execute any such
report on Form 3, 4 or 5 and timely file such report with the United
States Securities and Exchange Commission and any stock exchange or
similar authority, and
(3) take any other action of any type whatsoever in connection with the
foregoing which, in the opinion of such attorney in fact, may be of
benefit to, in the best interest of, or legally required by, the
undersigned, it being understood that the documents executed by such
attorney in fact on behalf of the undersigned, pursuant to this Power
of Attorney, shall be in such form and shall contain such terms and
conditions as such attorney in fact may approve in his discretion.

The undersigned hereby grants to each such attorney in fact full power
and authority to do and perform each and every act and thing whatsoever
requisite, necessary, and proper to be done in the exercise of any of the
rights and powers herein granted, as fully to all intents and purposes as
the undersigned might or could do if personally present, with full power
of substitution or revocation, hereby ratifying and confirming that such
attorney in fact, or his substitute or substitutes, shall lawfully do or
cause to be done by virtue of this Power of Attorney and the rights and
powers herein granted.  The undersigned acknowledges that no such attorney
in fact, in serving in such capacity at the request of the undersigned, is
hereby assuming, nor is the Company hereby assuming, any of the
undersigned's responsibilities to comply with Section 16 of the Securities
Exchange Act of 1934, as amended.

This Power of Attorney shall remain in full force and effect until the
undersigned is no longer required to file Forms 3, 4 or 5 with respect
to the undersigned's holdings of and transactions in securities issued by
the Company, unless earlier (a) revoked by the undersigned in a signed
writing delivered to the foregoing attorneys in fact, or (b) superseded
by a new power of attorney regarding the purposes outlined above dated
as of a later date.

This Power of Attorney supersedes any powers of attorney previously
executed by the undersigned regarding the purposes outlined above, and
the authority of the attorneys in fact named in any such prior powers
of attorney is hereby revoked.

IN WITNESS WHEREOF, the undersigned has caused this Power of Attorney
to be executed as of June, 16, 2011.

Signature
/s/John R Hart

John R Hart
Print Name
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