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Some people forget to pay or purchase fire insurance. Regardless of the reason, if you don’t have home insurance aka fire insurance, your property doesn’t have any protection. If damaged by fire, wildfire, hail, windstorm or vandalism, you are financially responsible for the damage. Lenders especially don’t like when borrowers don’t have home insurance. This is known as force placed home insurance and it is usually costly and offers sub par coverage. The increasing demand for high risk homeowners insurance policies will continue as brushfires become more severe and sudden.
Any home that is relatively close to “brush” is very concerning to insurance companies. Well-kept trees, grass, flowers, and plants are all okay unless they overhang the roof. Fire Hazard Severity Zone maps evaluate “hazard,” not “risk”. They are like flood zone maps, where lands are described in terms of the probability level of a particular area being inundated by floodwaters, and not specifically prescriptive of impacts. “Risk” is the potential damage a fire can do to the area under existing conditions, accounting for any modifications such as fuel reduction projects, defensible space, and ignition resistant building construction.
Finding High Brush Insurance
Of course, home insurance may also protect you from more common things like pipe leaks and property damage. Because even small issues can add up, and having comprehensive coverage helps you protect your biggest investment. Venture Casualty is an Independent Insurance Brokerage headquartered in Ventura County, CA. Our CEO Ryan Krupka has over 17 years insurance experience in the Insurance industry. We have made strategic partnerships with leaders in the industry, securing carrier appointments with A+ rated insurance companies. We know California and the risks we face, we are always adapting to the new climate of risks.
Two years ago, Dori Einhorn found a good home policy for me after I couldn't find one on my own (fire-prone area). Early this month, that carrier decided not to renew.But Dori did not abandon me! She found me a new traditional policy with an A-rated carrier and at a good price.
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Eric Einhorn insurance is a top notch agency in San Diego. I have worked with Eric primarily for the last 4 years and Summer most recently to obtain my... A checklist that gives you tips on how to protect your home from fires. One of our fantastic agents will contact you shortly.
I was referred to Einhorn after my existing broker had a lot of trouble with insuring my property, which is in a high fire risk location, and also a... A booklet where you can keep a record of all your personal property. For homes near brush, Insurance companies will either decline your home, require you to have a brush clearing of 500 to 2500 feet and/or surcharge you for being a higher risk. As an independent agency, we are here to help you find the right coverage.
“What Brush?” | Helping Your Customer Understand Homeowners Insurance
In order to qualify for a California Fair Plan policy, you must agree that you’ve exhausted all traditional insurance options and can’t find anyone to insure your property. If you can find a complete home insurance policy elsewhere, you are not a candidate for the California Fair Plan. The California Fair Plan’s policy offers coverage from Fire, Lightning, Internal Explosion, Smoke, Wind, Hail, Riot, Vandalism, Malicious Mischief, Aircraft and Vehicles.
Eric is always ahead of it, he explains everything thoroughly, and he helps us make the smartest decisions. He and his team are responsive and attentive anytime we need advice or attention. He is total a pleasure to work with, and we feel incredibly lucky to have found him many years ago. When it comes to our insurance policies, we trust Eric completely.
What astonished me was that this policy was with a company she doesn't have access to, so she directed me to an agent with that company! Within a week, I was insured again.I feel very lucky to have found Einhorn Insurance, and I am very sorry to lose Dori as my agent. Her attention to detail, her quick response time, and her knowledge, efficiency and willingness to answer my questions made it a pleasure to work with her.
After home insurance policies are issued in California, there is usually an inspection that takes place. Sometimes when the property is getting inspected, they can find fire hazards and rescind the policy. Most of the time, it is fixable and the insurance carrier will give you a list of things you need to do to keep your coverage, i.e clear brush within 100ft of your home. The most important thing to understand is that the brush zone insurance market is constantly changing, maps are always being revised. The brush zone insurance market is in a “hard” market currently. Contact our office if you have any questions for your brush zone home insurance.
The difficulty obtaining coverage was very stressful for us and Eric was a calming influence in the process. Einhorn Insurance can help you find home insurance in a high fire risk area. We are also able to provide California renters insurance in a high brush zone and insurance for landlords who have property in a wild fire area. Give us a call before purchasing a policy with California Fair Plan.
Excess liability insurance is available either by an endorsement to your homeowners policy or available as separate coverage. Brush fires are some of the largest causes of loss for homeowners insurance companies. Aside from hurricanes and floods, brush fires cause the largest payouts for claims filed on homeowners policies. The widespread devastation is increasingly becoming one of the fastest growing sectors of high risk homeowners insurance due to the large financial losses after the recent disasters in California. Careful review is essential to protect your home and belongings from all sources of water damage. We recommend coverage solutions from insurance companies that include backup of sewers and drains.
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