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How much does fire insurance cost in California?

California fire insurance ranges in pricing drastically. This is like asking how much is car insurance? Well, what kind of car do you have? How old are you? Do you have any DUIs, tickets or accidents? How many miles a year do you drive? Full coverage or liability...

What does a California FAIR Plan policy cover?

A California Fair Plan (CFP) policy can cover damage from Fire, Lightning, Internal Explosion, Smoke, Wind, Hail, Riot, Vandalism, Malicious Mischief, Aircraft, and Vehicles. We highly recommend pairing the CFP policy with a Difference In Conditions (DIC aka...

Can I be denied homeowners insurance?

Yes, there are several reasons you may be denied home insurance. Today, most traditional insurance carriers aren’t insuring homes in wildfire and high brush areas. Homes are given several ratings/scores based on their location by a 3rd party known as the ISO...

Do insurance companies cover wildfires?

Home insurance (aka Fire Insurance) covers damage caused by wildfires up to the policy limits. In very rare cases, a policy may have a wildfire exclusion. Even if the fire doesn’t directly damage a home, insurance covers indirect damage from smoke, ash and soot. Arson...