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.
Einhorn Insurance’s Happy Customers
04:21 01 Jul 21
Summer was extremely detailed and responsive and helped us navigate the entire insurance process for our new home purchase. I would definitely recommend her to anyone purchasing a home in a high fire risk area.
23:25 14 Jun 21
My husband and I were astounded when we could not obtain insurance for our brand new house because it is located in an area considered to be "high" fire risk. We reached out to several agents and found Eric of Einhorn Insurance. He was by far the most informative and easiest agent to work with. The difficulty obtaining coverage was very stressful for us and Eric was a calming influence in the process.
15:10 22 May 21
I am so happy to have found Einhorn Insurance. My prior insurance agent only gave me 1 week notice to tell me that I'm being dropped because my house is in a wildfire area.I couldn't believe how little notice I was given and the lack of customer service by my prior agent.Einhorn Insurance was very fast at responding to emails. I was able to email them details & photos of my home. In less than 2 days, Einhorn found me a new policy and I learned I was quite underinsured on my old policy. I have a much better policy and am now with a company that give great customer service.
08:06 22 May 21
I am so happy to have found Einhorn Insurance. My prior insurance agent only gave me 1 week notice to tell me that I'm being dropped because my house is in...
14:20 16 Apr 21
Wow! I could not find reasonable insurance for my recent purchase of a Malibu house. It is in a high fire zone, in fact the 2018 fire had burned down the two houses on the other side of my street. I had called and searched insurance companies including "All Modern". Nobody would insure this house with a regular insurance plan.Dori Einhorn insurance was one of my many calls. She had connections. Yes believe it or not I got a very reasonable coverage with " All Modern" who had denied me prior when I called.Dori rocks!
07:24 16 Apr 21
Wow! It does not get better than " Einhorn Insurance"I could not find reasonable insurance for my recent purchase of a Malibu house. It is in a high fire...
14:30 09 Nov 20
Wow, it doesn't get easier than this! My previous insurance company wouldn't cover my new house in California because of fire danger. Local agents were...
14:24 31 Oct 20
We had over a 100 day escrow, everything that could have gone wrong did go wrong but Summer at Einhorn was absolutely outstanding. She went above and beyond...
18:11 18 Oct 20
I was referred to Einhorn by a friend after Farmer's cancelled our home insurance in CA "out of the blue". The entire team at Einhorn was incredibly responsive to our need for coverage options. Eric Einhorn took lead and was relentless in pursuing all options for us and ultimately found home, earthquake, jewelry, and umbrella coverage. It was truly a stroke of great luck that I found Einhorn Insurance!
17:17 02 Jun 20
I ended up using a broker closer to my neighborhood but wow -- Einhorn was so helpful and quick. I encourage people all over the region to include Einhorn...
21:06 09 May 20
Very happy with the service and response from Einhorn Insurance. We've had some complicated situations, and they researched and came up with some good solutions.
11:16 19 Apr 20
Great company and very responsive when I need something. My husband introduced me to Einhorn insurance several years ago and they have been doing a great...
03:47 14 Apr 20
We worked with Dori during escrow on a home that was in a fire danger area. Several other agencies were unable to help us. Dori was able to set us up with a great policy. She was very helpful and attentive during the entire process. Unfortunately, issues with the home arose during escrow and we had to back out. I would feel fully confident to use Einhorn in the future. These are THE people to turn to if your home is in a high fire area.
21:57 27 Mar 20
We have worked with Eric for several years and highly recommend his services. He is extremely knowledgeable and truly understands our needs, in order to make sure we get the best insurance coverages for our family. We have several policies that Eric has helped us secure, often in difficult situations, including our hillside homes in high risk fire areas. Eric is always ahead of it, he explains everything thoroughly, and he helps us make the smartest decisions. He and his team are responsive and attentive anytime we need advice or attention. He is total a pleasure to work with, and we feel incredibly lucky to have found him many years ago. When it comes to our insurance policies, we trust Eric completely.
02:01 05 Mar 20
We live in a high risk fire area and when our homeowner's insurance coverage was terminated by our insurer (with no claims) we were suddenly scrambling to find a new insurance provider. I reached out to Eric and he was simply wonderful--spending an amazing amount of time and effort to find a new insurance company who would provide us with homeowner's insurance at the most reasonable cost. This was not easy as most other companies were unwilling to cover our home at any cost, yet Eric keep exploring possible options and keeping us informed during the whole process--until he was successful and our home was insured. We are incredibly thankful for all of his efforts and help.
14:16 29 Feb 20
Was so pleased with the entire process. Eric made it easy, his professionalism and truly caring what was best for the client. He was able provide a good homeowners policy in the brush area that is extremely limited. I would highly recommend Einhorn Insurance.
11:35 27 Feb 20
I live in an extremely high fire risk area and reached out to Einhorn Insurance after being dropped by my insurance company and being unable to find any other. Let me say that more accurately: after being unable to find any local agents who could find any other. Einhorn Insurance came through rapidly and, equally importantly, was able to clearly and compellingly discuss all of the relevant issues with me (this was quite counter to my experience with other agents). Their professionalism and expertise is truly appreciated by this customer; enough so that I have recommended them highly to each of my neighbors as the dreaded cancel letters have inevitably arrived.
21:17 14 Oct 19
Eric Einhorn insurance is a top notch agency in San Diego. I have worked with Eric primarily for the last 4 years and Summer most recently to obtain my...
15:30 01 Jun 19
An absolute pleasure to do business with. Provided fire insurance and hazard insurance for a home in a high brush area where most other companies either...
17:31 01 Dec 18
Dori with Einhorn Insurance was amazing to work with!! They do provide services outside of Southern California, so don't hesitate to contact them if you are not near San Diego. We are purchasing a home in rural far Northern California, and when it looked like no other insurance company would insure us because of our location, Dori came through with the promise that she could get it insured to meet the bank's requirements for a loan (such a relief!). I received a response within 1-2 hours of submitting an online inquiry, and Dori has never failed to promptly respond to any inquiries. She worked hard to get us all the discounts available. A local office offered us the same exact plan for $700 more per year than what Dori got us. On top of all that, she referred us to a different company that could offer a better price on flood insurance than they could. Her honesty and legitimate compassion for our situation was amazing! Dori was constantly checking in with us on the progress of our loan and for updates. No other entity that we have worked with during the home purchase process has been so great. With everyone else we have had to call and call to get any response and remind them we are waiting.Thank you so much Dori! 5+ stars!
23:38 29 Aug 18
We never had to file a home insurance claim until a few years ago. We had a streak of bad luck and had to file a few claims. Our insurance company we had for About 10 years dropped us. After hearing "No" and being turned down from many insurance companies, we finally got a "Yes" from Dori at Einhorn Insurance. Dori providing amazing service and found us a home insurance policy that was accepted by our lender. Thank you for making this process easy!
23:06 13 Aug 18
After getting outbid on several offers, we are finally in escrow on a home in Scripps Ranch. Our escrow company sent us a form asking for our home insurance information. After calling numerous insurance companies (including the company that insures me now) to get a quote, we quickly found out the house is in a high fire area and we need home insurance for a wildfire area. Some of the agents we called never called us back once we gave them the address. A couple of people we talked to flat out refused to offer a homeowners policy because Scripps Ranch is prone to fires. Then, a few agents came back with very high quotes and our lender said we wouldn’t qualify for a loan if our insurance was that high. Our excitement for this house quickly turned into panic as we were struggling to get affordable coverage. Dori at Einhorn Insurance was able to navigate the waters and provide a coverage option that we could afford and more importantly, feel good about! We are now fully approved for our home loan and scheduled to close escrow at the end of August! Thank you Dori!
21:38 02 Aug 18
Wonderful customer service and insurance options! I have trusted Einhorn Insurance with my renters, umbrella, auto and dog insurance for 10+ years.The thing I appreciate most about this company is that they truly take the time to listen to your needs, and put together a policy that ensures you are covered, without any of the unnecessary 'fluff'. They are always available and happy to answer any questions you have (trust me, I've had a lot of questions over the past decade!) Thank you, Einhorn Insurance, for taking care of my family.
22:54 11 Jul 18
I was in a jam for homeowners insurance due to another carrier that ensured me I was going to be covered in a high brush area and at the last minute was told I was unensurable due to brush.I found Einhorn Insurance online after researching high brush and they were able to assist me the same day with a full home owners policy. I cant say enough about the customer service and the knowledge they have regarding high fire risk.I would recommend them to anyone looking for a new home owners policy in or out of a high fire location.
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03:10 28 Jun 18
This company was top notch, responsive and super easy to work with. I was in escrow on a house that was close to the wildfire areas. I started to panic when everyone I called turned me down for home insurance. I stumbled on Einhorn Insurance and they were able to find a policy for me super fast. They even called my escrow company and lender and handled everything regarding insurance so I didn't have to. I am pretty sure I would not have been able to close escrow if they didn’t find me a policy. To everyone over at Einhorn: I really appreciate what you did for me and helping land the home that I love.