California High Risk Brush Home Insurance

We specialize in brush zone or high fire risk property insurance in California. Are you encountering difficulty obtaining an insurance policy because your home is in a California Fire Hazard Severity Zone Insurance area or your current carrier didn't renew your policy? While most insurance carriers won’t insure your property if you’re within 2500 feet of canyons, brush or a wild fire area we have carriers that will accept the risk within 100 feet of clearance to brush. 

We are a California Fair Plan Producer.  It is a state plan that will insure anything within reason that cannot be insured on the open market, usually because of proximity to hazards. The FAIR Plan policies cover fire and lightning, with optional coverage for windstorm, hail, aircraft, vehicle, riot, smoke and explosion.  You will have no liability coverage, no burglary or theft, no medical payments. There is a lot of coverage missing when compared to your homeowner policy, but we offer supplement the FAIR Plan policy with separate liability policy or with a specific policy designed to "wrap around" the basic FAIR Plan policy.

Per California Fair Plan rules and guidelines, producers are not allowed to charge any broker fee or any hidden fees to consumers.  Payments are directly made to California Fair Plan.

California Fire Hazard Severity Zone is periodically updating. Please click here to check if your home is located in High Fire Hazard Zone.

 

Click here to get your free, no obligation quote today!