Home Insurance for High Fire Risk Areas

User Forum Topic
Submitted by observer on September 25, 2022 - 7:19pm

Hi,

Aside from the California FAIR Plan, does anyone know an insurance carrier that would insure in high fire risk areas?

Thanks!

Submitted by teaboy on September 27, 2022 - 8:29am.

How are you defining "high fire risk area"?

tb

Submitted by observer on September 27, 2022 - 4:00pm.

The areas with "very high" Fire Hazard Severity Zone on Wildfire Hazard Map.

Submitted by Myriad on September 27, 2022 - 10:19pm.

Well... the problem is that a good portion of the county is Very High Fire Risk.

https://www.sandiego.gov/fire/services/b...

But insurance wise, try Lemonade.

Submitted by Coronita on September 28, 2022 - 9:28am.

Check costco.

Submitted by observer on September 28, 2022 - 10:17am.

The property is in the back counrty area of San Diego. I have tried Lemonade as well, and they said they won't cover in that area. So far the only option is to have two policies, California Fair Plan bundled with a "wrap-around" policy, and it would cost ten times what we pay for our primary home!

Submitted by teaboy on September 28, 2022 - 11:19am.

observer wrote:
The property is in the back counrty area of San Diego. I have tried Lemonade as well, and they said they won't cover in that area. So far the only option is to have two policies, California Fair Plan bundled with a "wrap-around" policy, and it would cost ten times what we pay for our primary home!

Ok, but then that is not driven just by the “very high fire risk”, since other homes in San Diego “very high fire risk” areas do get coverage.

If the “very high fire risk” is the reason you’re hearing for them denying you coverage, then that’s presumably just one of many factors influencing their decision.

Try hippo.com. I know mine went up 30% this year. Good luck!

tb

Submitted by observer on September 28, 2022 - 9:52pm.

teaboy wrote:

Ok, but then that is not driven just by the “very high fire risk”, since other homes in San Diego “very high fire risk” areas do get coverage.

If the “very high fire risk” is the reason you’re hearing for them denying you coverage, then that’s presumably just one of many factors influencing their decision.

Try hippo.com. I know mine went up 30% this year. Good luck!

tb


I have tried Hippo as well, and they said "The policy is not eligible because of the proximity of this home to brush and/or wildfire prone areas."

Thanks!

Submitted by profhoff on September 29, 2022 - 10:29am.

We were dropped by Chubb due to high fire risk. Fortunately, we were able to get a policy through State Farm. It's very expensive, but so far, they are still offering homeowners' insurance in the state.

Good luck. Our rates nearly tripled this year, but it's more coverage than FAIR.

Submitted by observer on September 29, 2022 - 1:55pm.

profhoff wrote:
We were dropped by Chubb due to high fire risk. Fortunately, we were able to get a policy through State Farm. It's very expensive, but so far, they are still offering homeowners' insurance in the state.

Good luck. Our rates nearly tripled this year, but it's more coverage than FAIR.

Was it more expensive than FAIR?

Submitted by gzz on September 29, 2022 - 2:28pm.

My old carrier nationwide wanted to do wrap around for 7k total but state farm did a normal policy for 4k, despite it being a gigantic 6/6 house abutting an east county scrubby canyon. This also required switching my cars as their multipolicy discount is huge.

Now I am switching everything to state farm in gratitude.

Submitted by observer on September 30, 2022 - 8:08pm.

gzz wrote:
My old carrier nationwide wanted to do wrap around for 7k total but state farm did a normal policy for 4k, despite it being a gigantic 6/6 house abutting an east county scrubby canyon. This also required switching my cars as their multipolicy discount is huge.

Now I am switching everything to state farm in gratitude.

State Farm would only issue to existing policy holders. I would have to join them, and wait at least 3 years!

Submitted by gzz on October 1, 2022 - 5:03pm.

In my case, I had never used SF for anything, but the sellers had an existing policy. Amazingly, SF charged me less than the prior owners by about $700.

SF also required fewer hoops. Nationwide give me a bunch of tasks like taking lots of photos of the property, installing a burglar alarm etc. Try and burgle the fire-prone fringes of East County and your life expectancy is going to be pretty low.

My process of switching everything to SF is now underway. My office rental liability policy was $520 v $550 before, and workers comp for my business appears to be exactly the same as my existing policy.

Submitted by sdduuuude on October 5, 2022 - 10:15pm.

Try America Modern. They provide my insurance in VHF zone.

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