Wildfire Insurance – California Fire and Brush Policies

 

California Fire Insurance For Homes Near Brush and Wild Fire Areas

 

California Wildfire InsuranceCalifornia residents that are buying or own property near brush or in wild fire zones may find it difficult to get home insurance.

Einhorn Insurance insures homes, condos, townhomes, renters, landlords and rental units in high brush and wild fire areas. We also specialize in escrow closings with properties in high brush regions and work directly with your lender and escrow officer to make sure your escrow closes on time.

Watch the Short Video Below for More Brush Fire Insurance Info

About 40 years ago, a large fire was considered to be about 15,000 acres. Today, it’s not unusual for a fire to be over 100,000 acres. Thanks to wild fires, global warming and arson, fire season is year round, causing insurance companies to reassess which homes they’ll insure. Once an insurance company identifies your home as a high risk location, you may be denied coverage or your policy may be canceled; this can happen regardless of how long you’ve been insured with the same company.

Californians living in high fire areas are especially aware of the risk if their homes are close to brush. While most insurance carriers won’t insure your property if you’re within 2500 feet of canyons, brush or a wild fire area; Einhorn Insurance can insure most homes that have 100 feet of clearance to brush.

 

So how do insurance companies define “BRUSH”?

california wildfire insuranceBrush is any live or dead bushes, shrubs, thicket, trees or other vegetation near your home or property. This brush can potentially light on fire, burn and/or fuel a wildfire.

Vegetation or trees growing in thick bundles (especially low to the ground) are more of a threat as a fire source. Piles of dead yard debris, tree branches, dried grass, etc. are also considered uncleared brush.

If you have a yard full of manicured vegetation, this is not usually a concern unless the greenery is touching the home, roof or hanging within 3 feet over the roof.

In addition to fire hazardous brush, other variables are taken into consideration when determining if your home is located in a California high brush area.

 

California High Brush Area Guidelines

  • Topography : Your surrounding terrain and landscape.
  • Wind Patterns: Is your home located in an area where the wind patterns blow a fire toward your property?
  • Distance to the nearest fire station: You may be near a fire station, but if it’s a volunteer fire station, it doesn’t count. You must have your assigned RESPONDING fire station within a certain distance of your property.
  • Distance to a fire hydrant or water supply: It is preferred you are within 1000 feet of a fire hydrant or a large water supply system.
  • Roof type: If you have a wood roof and are located in a high brush area, this can be an issue for most insurance carriers.
  • PPC (Public Protection Classification): This is a rating from 1-10 (10 = very high fire risk).
  • FireLine score: The ISO looks at surrounding fuel or brush, the slope of your home and the ability to access your property at the time of a fire.

 

Was Your Fire Policy Cancelled?

If you are cancelled or non-renewed by your insurance company, it’s important to find home insurance quickly. Once cancelled, your lender is notified. At that time, you must immediately find another policy, or you’ll be stuck with “force placed insurance” where your lender purchases insurance on your behalf. Force placed insurance can be VERY EXPENSIVE. One of our client’s rates jumped from $150/mo to $900/mo with force placed insurance. After calling Einhorn Insurance, we were able to issue a policy for about $130/mo.

Before you call the California Fair Plan or your lender buys you Force Placed Insurance, call Einhorn Insurance! These policies provide limited coverage and are usually only Actual Cash Value policies (you are only compensated for the depreciated value of your home) while Einhorn Insurance offers a comprehensive policy with Replacement Cost coverage.

 

Fire Prevention Kit

Einhorn Insurance offers FREE Fire Prevention Kits which include:

  • A booklet where you can keep a record of all your personal property.
  • A checklist that gives you tips on how to protect your home from fires.
  • An instructional DVD discussing causes of fire and fire prevention.

 

Einhorn Insurance Gives Back

einhorn insurance gives backIf you are a San Diego home owner in a hazardous brush zone and insure your property with Einhorn Insurance, we will donate a lunch to your responding fire station in your honor. Einhorn Insurance supports those that risk their lives daily to keep our homes, families and communities safe.

For tips on how to prevent fires if you live in a high brush zone read our blog for Information About Wildfires