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fire insurance ca fair plan

If you are a California resident having a hard time finding home, condo, renter, or landlord insurance because your property is in a high fire risk and brush area, you aren’t alone.

Throughout the state of California, many properties are now considered to be in high brush and wildfire areas.  In the past decade, the number and severity of wildfires in California continues to increase.  This is a great concern for insurance companies, and many no longer want to insure in high brush and wildfire areas.

Watch the short video below for more information:

Finding the right California high brush and wildfire area insurance can be a challenge, especially if you have been dropped or turned away by other insurance companies.

Einhorn Insurance has access to numerous top-rated insurance companies in California that insure homes in California High Brush and Wildfire Areas.  These policies don’t just cover your home for fire losses, but they may also include coverage for:

  • theft
  • water damage
  • vandalism
  • building code upgrades
  • medical payments
  • liability
  • lightning
  • hail
  • pet liability
  • and more.

In the event a traditional property insurance policy isn’t an option, we also can provide policies through the California Fair Plan (CFP).   A CFP policy can cover your property if damaged by Fire, Lightning, Internal Explosion, Smoke, Wind, Hail, Riot, Vandalism, Malicious Mischief, Aircraft and Vehicles.  It’s important to note the California Fair Plan is a great option for California high brush and wildfire area insurance, but it does have its limitations.  A Difference in Conditions or DIC policy is a complementary policy to the California Fair Plan.  It’s not mandatory to purchase a DIC policy, but it fills in the gaps and provides coverage for:

  • Water Damage (such as a pipe bursting or an accidental overflow from an appliance)
  • Theft & Burglary (including items that are stolen from your car)
  • Liability (coverage if someone gets hurt on your property and/or if your pet hurts another person/animal) – liability covers you at and away from your home
  • Medical Payments To Others
  • Falling Objects (tree falling on your roof)
  • Weight of Ice/Snow/Sleet damaging your home
  • Freezing of Pipes

Closing escrow in the near future?  Einhorn Insurance specializes in escrow closings and works as efficiently as possible to meet the strict time frames of a real estate contract.  We work directly with your lender and escrow company to make sure you can close escrow on time.  Additionally, we do our best to find a policy that will work with your lender’s debt to income ratios so you can still qualify for a loan.

If you do need California High Brush and Wildfire Area Insurance, we strongly encourage you to contact Einhorn Insurance sooner than later.

Einhorn Insurance is a California-based agency, and we’re looking forward to assisting you with home, condo, landlord, townhome, income or rental property, high brush, and wildfire area insurance.

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