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Where can you buy homeowners insurance if you have had more than two claims or live in a brush fire area?


A lot of people have trouble finding home, condo or fire insurance because their property is located in a wildfire, high brush or a high fire risk area.   If your home is on a canyon, in a high brush area,  in a high fire risk zone, in a wildfire area or close to brush, you may have a hard time finding a home policy or your home policy may not be renewed.

Most of the preferred insurance companies in California will not insure homes if they are in a Wild Fire or Brush Fire area or if there have been multiple losses in the past.  

The California FAIR Plan Association (the FAIR Plan) 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.

Reasonable underwriting standards shall include, but not be limited to, the following:

 

1. physical condition of the property, such as its construction, heating, wiring, evidence of previous fires or general deterioration;

2. its present use or housekeeping, such as vacancy, overcrowding, storage of rubbish or flammable materials; or

3. other specific characteristics of ownership, condition, occupancy, or maintenance which are violative of public policy and result in unreasonable exposures to loss. 

Neighborhood or area location or any hazard beyond the control of the property owner shall not be deemed to be acceptable criteria for declining a risk.

Fair Policies are the best solution for homes located near brush fire exposure. This includes homes in Tahoe, Groveland, Placerville, Portola Valley, Grass Valley and Yuba City.

Please send us your address and we can work up a quote for you and get your California house insured.

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18 Comments

H. Voss said...
Low brush area home insurance, property cleared by wildfire experts:

Address: 20366 Lakeview Drive Lakehead Ca. 96051
THURSDAY, FEBRUARY 12 2015 12:47 PM
Alex Pfeifer said...
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. I saw your email and will get you a quote.
THURSDAY, FEBRUARY 12 2015 11:36 PM
David R said...
6049 Shoo Fly Rd, Kelsey, CA 95667
WEDNESDAY, JULY 22 2015 9:37 AM
Alex Pfeifer said...
Hello David - You could get a California FAIR Plan policy for about $1200. Its possible that this home may qualify for insurance through a standard insurance company as well. Please give me a call so I can get some more info from you and provide you with a detailed quote.
650-762-8087.
FRIDAY, JULY 31 2015 1:36 PM
Troy Brierly said...
Hello. Im trying to find a policy for a home in escrow. The address of the property is 6640 Bergesen Drive, Kelseyville, CA 95451. What are appoximate prices in that area for 1500 sq ft. All brush cleared away for at least 500 in all directions.
THURSDAY, NOVEMBER 03 2016 6:02 PM
Alex Pfeifer said...
Hello Troy. A FAIR Plan Policy would be approximately $2000 per year for that house. A wrap around policy would be an additional $1500 per year. Please give me a call if you would like a firm quote. Thank you.
FRIDAY, NOVEMBER 04 2016 5:10 PM
Tracey said...
Somehow we made it thru Escrow with no fire ins, and we live in the forest?? Can you give me a quote please? 31351 Firwood Dr. Running Springs, CA 92382
TUESDAY, JANUARY 03 2017 7:39 AM
Alex Pfeifer said...
Hello Tracey, A Fair Plan Policy will be about $800 per year and a wrap around policy would be about $700 per year. Please give me a call at 650-762-8087 or an email at alex@pfeiferins.com so I can gather some additional info to provide you a firm quote. Thanks.
TUESDAY, JANUARY 03 2017 12:48 PM
Catherine said...
Hello we are currently in escrow in a brush fire zone in Burney Ca.
21646 N. Vallejo Street, Burney Ca
MONDAY, AUGUST 14 2017 4:11 PM
Alex Pfeifer said...
Good news Catherine. That home can be insured for $750-$1000 per year. Please give me a call at 650-762-8087.
MONDAY, AUGUST 14 2017 5:21 PM
Zach said...
Trying to close a home in South Lake Tahoe in a brush fire zone. 1878 Jicarilla Dr South Lake Tahoe, CA 96150
SUNDAY, AUGUST 20 2017 1:35 AM
Alex Pfeifer said...
Hello Zach. Assuming its a primary residence, the FAIR Plan can insure the house for about $1200 per year. Ill reach out to you through email right now. You will probably want a supplemental policy as well. I need to gather a little more information in order to produce that quote.
SUNDAY, AUGUST 20 2017 11:30 AM
Tara said...
Trying to close a home in high fire risk area. 2696 Iris lane camino ca 95709
TUESDAY, AUGUST 22 2017 7:49 PM
ALEX PFEIFER said...
Hi Tara, The FAIR Plan can insure your house for about $2000 per year. Ill send you an email laying our your options. Thank you.
WEDNESDAY, AUGUST 23 2017 11:12 AM
Nina said...
Please send quote for primary residence seeking property insurance for wild fire zoned 10 address of 19462 Rangeland Rd, Ramona, CA 92065 (9 acres).
MONDAY, AUGUST 28 2017 2:31 PM
Alex Pfeifer said...
Hello Nina. I sent a quote to your email. Thank you.
MONDAY, AUGUST 28 2017 7:21 PM
Mitch said...
Interested in brush fire coverage at 27334 Rose Mallow Lane, Canyon Country, CA 91387
WEDNESDAY, SEPTEMBER 13 2017 5:29 PM
Alex Pfeifer said...
Hi Mitch. I have good news on this house. It can be insured for about $1800. Ill send you an email with a preliminary quote. Thanks
WEDNESDAY, SEPTEMBER 13 2017 11:06 PM

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