Homeowners Insurance In Brush Fire Zones Brush Fire Zone Insurance

Table of Content

• Chat with us online for eligibility requirements or a brush check.  Flexible Payment Options Now Available.
• Helping Independent Insurance Agents Since 1996
• Coverage that protects your biggest asset.
• Wildfire Insurance
• If My Home Is Located In A California High Brush Zone, What Other Things Do They Consider Besides Brush?
• California Brush Zone Insurance

Unfortunately they are having trouble locating the property in their system. Im going to send you an email and ask a couple of follow up questions. I need a little bit more info from you in order to get you a quote for a wrap around policy. This home is a good candidate for the California FAIR Plan. Even though you had your property cleared of brush, the surrounding land has too much brush. Unfortunately you need at least 500 ft brush clearance.

As a preferred agency you will speak to a licensed agent, not a call center. Our goal is to find the best coverage for your property’s location. We have trusted relationships with a handful of small insurance agencies in California that have access to carriers we don’t. On rare occasions, these agencies may have a better option.

Chat with us online for eligibility requirements or a brush check.  Flexible Payment Options Now Available.

It is becoming very common for California insurance carriers to drop home policies when a property is located within ½ mile to fire hazard/brush areas. Once your home’s location is identified as a “high exposure risk,” your policy may be canceled…. Regardless of how long you’ve been insured with the same company. Your homeowners insurance policy includes liability coverage for property damage caused by any member in the family, but likely does not cover rumors or statements that damage a reputation. You may need to seek additional coverage to include liability protection that covers personal injury or defamation. Some people decide to “self-insure” and not buy home insurance.

Make sure your homeowners policy includes replacement cost coverage for personal property so that you always receive the full cost to replace whatever item is damaged. So you got the home, the loan, the rate, but now you need the homeowners insurance and you need it fast. We receive calls weekly of people rushing and frantic looking for someone to insure them in their high brush area. We even get realtors calling in very often that are worried and stressed.

Helping Independent Insurance Agents Since 1996

My previous insurance company wouldn't cover my new house in California because of fire danger. If you have a wood roof and are located in a high brush area, this can be an issue for most insurance carriers. Whether entering from outside your home from a flood or from within your home’s plumbing system, water damage is the most common cause of loss to a home. Many policies exclude losses caused by backup of sewers and drains, and all unendorsed homeowner policies exclude damage caused by a flood. If you have a sizable wine collection, you may want to consider scheduling the collection on your homeowners policy. Doing so expands your coverage and eliminates the deductible in case of a loss.

Homes that are close to brush/fire zones often have no other option but to have insurance through California Fair Plan as many insurance carriers require 1000 foot clearance from brush areas. People often discover after they suffer a loss that they have not purchased enough insurance or the right kind of insurance coverage for their needs. We hear from many homeowners daily that they are being canceled or non-renewed from their insurance company after many years of loyalty. Due to all the recent wildfires, insurance companies have lost billions of dollars so they’re trying to eliminate future risks. It is important to move quickly after being canceled or non-renewed by your insurance company. After you have been determined a non-insurable risk, the lender is notified.

Coverage that protects your biggest asset.

If you are a connoisseur of wine, you know that it is susceptible to outside environmental exposures that can ruin it. If the collection is damaged, coverage from your homeowners policy is a possible recourse. However, the damage is only insurable if it is a covered cause of loss as outlined in your homeowners policy.

Be certain that you extend the liability coverage under your homeowners policy to include your secondary home. You should also consider including the secondary home under an excess liability or umbrella policy to provide for additional liability limits. You should make sure your homeowners insurance policy covers your trampoline, as many insurance providers refuse to take on trampoline liability and exclude the item from coverage. Residents of California who own property or are looking to buy around high brush areas are realizing that it can be very difficult to obtain home wildfire insurance.

So now you are covered for fire, but what about liability and water damage? This is where the DIC or Difference in Conditions comes in. A DIC fills in the holes that the California Fair Plan doesn’t cover. Some things that are covered in the DIC include theft and burglary, water damage , liability, medical payments to others, the weight of ice, snow, and sleet damaging your home, falling objects, and pipe freezes. When you put the California Fair Plan and the Difference in Conditions policies together, you almost have a normal homeowners policy. Your homeowners insurance policy typically covers personal property, including the contents of your home and other personal items owned by you or family members who live with you.

Most insurance brokers do not have access to the appropriate carriers to insure high risk fire insurance clients under voluntary plans, meaning you get stuck with the CA Fair Plan! We specialize in in connecting and educating clients living in high risk fire zones to ensure they have coverage that protects them. Most homeowners policies offer an option to include off-premises theft coverage as an endorsement, which covers you for theft of your personal property away from your residence. Collector or classic vehicles often have significant value and require special documentation and unique insurance coverage to ensure they are adequately protected. Even if stored on your property, they are typically not covered under your homeowners insurance.

Remember, inflation rates on building materials and construction costs rarely track with real estate values. As a result, rebuilding a home can often cost significantly more than expected. We offer insurance on all types of homes from small to larger homes and luxury estates, older construction to brand new, urban homes to rural.We can also assist residents who have homes near high brush areas.

The California FAIR Plan Association is an association of all insurance companies authorized to transact basic property insurance in California. Established under State law, the FAIR Plan provides insurance coverage to responsible applicants who have been unable to secure insurance for their home or business in the normal market. I cant say enough about the customer service and the knowledge they have regarding high fire risk.I would recommend them to anyone looking for a new home owners policy in or out of a high fire location.

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.

All these coverages are so important as wildfire claims have come in at an all-time high. A fire leaves nothing behind, unlike a common pipe break. When buying insurance, it is important to have the right amount of coverage because you could lose everything. This is like asking how much is car insurance….what kind of car do you have? Home insurance pricing is generally determined by the home’s location, size, quality and prior claim history.

California Brush Zone Insurance

If you live in a San Diego high brush area and insure your home with Einhorn Insurance, we’ll donate a lunch in your honor to your responding fire station. We love to give back to those that help protect us and our families. Just a few quick questions to get us started on quoting a homeowners policy for you.

I need to gather a little more information in order to produce that quote. Please send us your address and we can work up a quote for you and get your California house insured. So make sure you cover the unique risks you face with home insurance.