Protection from Major Fire Risk
Fire insurance is often included in homeowner, renter, and business insurance policies. However, due to increasing wildfire risks in California, many carriers have either significantly raised policy premiums or dropped fire coverage entirely. While the state does not mandate fire insurance, lenders and mortgage agreements require fire insurance to protect the property being financed.
Finding coverage in high-risk areas can be a challenge. The California FAIR Plan, which is subsidized by insurance companies to provide basic fire protection. These policies cover fire, lightning, internal explosion, and smoke, but do not cover water damage, liability, or theft. We’ll work with you to find a policy that fits your needs and supplement your fire insurance with a Difference in Coverage policy to make sure you’re fully protected.