Home Page Home Page Newsletter Contact Us Get A Quote Business Insurance Home Insurance Auto Insurance Health Insurance Life Insurance

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.

Share |


8 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

Post a Comment
Name
Required
E-Mail
Required (Not Displayed)
Comment
Required


All comments are moderated and stripped of HTML.
Submission Validation
Required
CAPTCHA
Change the CAPTCHA codeSpeak the CAPTCHA code
 
Enter the Validation Code from above.
NOTICE: This blog and website are made available by the publisher for educational and informational purposes only. It is not be used as a substitute for competent insurance, legal, or tax advice from a licensed professional in your state. By using this blog site you understand that there is no broker client relationship between you and the blog and website publisher.
Blog Archive


View Mobile Version
Pfeifer Insurance Brokers   |   533 Airport Blvd, 4th Floor   |   Burlingame, CA 94010   |   Phone: 650-762-8087   |   Fax: 650-897-5998
Powered by Insurance Website Builder
Home Page About Us Our Services Location Get A Quote Contact Us