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 (Insurance Services Office). These figures are used by insurance carriers to determine eligibility. Most insurance carriers won’t insure a home with a Fireline score over 3 and/or a home in a PPC (Public Protection Class) of a 9 or 10. Several other factors such as a home’s accessibility and wind patterns affect insurability too.