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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.