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High Brush Home Insurance Alternative in California When you can’t find a traditional policy, Einhorn Insurance offers a high brush home insurance alternative in California.  As California weather warms up, the potential for wild fires becomes more of a concern, especially to insurance companies.

Within the past few years, the unexpected rise of California Wildfires has hit the pockets of insurance companies hard. When this happens, insurance carriers become less profitable and either drop “undesirable risks” or jack up rates.

The wild fires have caused a knee jerk reaction and insurance carriers have pulled back in insuring many properties throughout California, especially those in high fire risk or brush areas.

We get numerous calls daily from California home owners being dropped by home insurance companies or their rates are skyrocketing. For example, one homeowner used to pay about $1200/yr for insurance and at renewal notice, the new premium was $2700. It’s not uncommon to see rates increase by 150%!

If this sounds familiar, Einhorn Insurance can help. Einhorn Insurance specializes in insuring homes, properties and condos in high brush areas. Einhorn Insurance is an insurance broker that provides property owners California Fair Plan quotes and policies.

We have access to several carriers that are willing to insure homes, condos, townhomes, income properties, vacation rentals, second homes and renters in high fire risk areas throughout California.


One great option for high brush home insurance is the California Fair Plan (CFP).

The CFP policy covers your home or property if damaged by:

  • Fire
  • Lightning
  • internal explosion
  • smoke
  • wind
  • hail
  • explosion
  • riot or civil commotion
  • aircraft
  • vehicles
  • volcanic eruption

For additional premium, you can also add coverage for building code upgrades, vandalism and malicious mischief.


The California Fair Plan offers a policy that only provides coverage for certain perils. A peril is something that can create a claim such as fires or wind damage.

The CFP does not cover perils such as theft, burglary, liability, bursting of pipes….etc), so to compliment the CFP policy and “fill in the missing coverage gaps,” we HIGHLY recommend you also purchase a DIC (Difference in Conditions) also known as a Wrap Insurance policy.

DIC policies can be very price friendly and give you a lot of bang for your buck!

A DIC policy can cover:

  • Liability (for ex: if someone gets hurt on your property, if your pet hurts another person/animal or if you hurt someone unintentionally).
  • Theft
  • Medical Payments to Others
  • Damage of other people’s property
  • Falling Objects (such as trees falling on your roof)
  • Weight of Ice, snow or sleet
  • Bursting pipes and accidental discharge/overflow of water or steam.
  • Freezing of pipes
  • Trees, Shrubs and other plants

The CFP is a great insurance option for homes in California high brush areas. Coupled with the DIC policy, property owners can have the best of both worlds and provide optimal coverage.

For more information on high brush home insurance in California and the California Fair Plan, visit and click the GET A QUOTE button or call 619-313-4643.

Our agency can insure throughout the entire state of California.

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