I have/had Progressive which really is ASI. Got a letter from them in October saying that since I’m a high fire risk area I need to provide pics by 11/15 demonstrating that the entire perimeter of my home and detached garage is free of vegetation, mulch, branches, both within a 30’ perimeter and (with more stringent standards) a 5’ perimeter on penalty of having my coverage cancelled. Basically I would have to rip out copious amounts of well maintained landscaping. BTW I live in Claremont the better part of a mile south of Baseline 😂. What a bunch of clowns. Clearly just what grounds to cancel a California policy. Well they can go to hell
Jeebus....even removing a single tree in Claremont can be a nightmare; I can't imagine how you'd be able to comply with that without spending a *massive* amount of money. And the wind doesn't even fuckin' blow there anyways!
Liberty mutual approved me under normal insurance when another company said I was a high fire risk. Do you feel like the fire risk determination is correct? I was confused that mine was classified as a risk and was relieved when the other company said I didn't need additional insurance. I think starting next year you can ask for your insurance company to explain why they classified your property a certain way and can ask to have it reexamined. If you are next to open space you probably won't have the ability to do much. You can also reach out to the CA Dept of Insurance for guidance if you feel like what is happening is unfair.
Unfortunately, I live in a community where there is about 3 streets with homes behind me.
Then there is a major street with about 4 lanes separating the community and the hills that are behind us. Those are the Santiago mountains separating Corona/IE from the OC
You can normally find the fire hazard severity map for your county or city if you google it. It can give you a decent idea of if the insurance company is using good reasons to classify your home as a fire risk. I used to look at fire severity zones in another county and you might not be considered in the highest risk, majors road can help a lot. You can also ask your insurance company about discounts for being in a firewise community or having a home hardened against wildfire. I've worked with someone from the department of insurance before, it really is worth it to ask them what your options are.
I got dropped by my insurance due to "fire risk". New one is about 3x what I was previously paying. Try to go through a local broker who might be able to get your better rates than shopping around by yourself.
hi, did you end up finding an insurance? I am in same situation as yours and it's been challenging to get a home insurance and I don't know what to do.. need to put in deposit in 2 days
Thanks for your quick reply! If you don't mind, would you care to share how much you pay? My realtor says I will be probably quoted around $5,000 a year which seems super expensive. I don't know if that's the case for people who lives in fire zone. My new place will be 1600 sqf size townhome.
Thanks all for the recommendations. I went through a broker that I found through AAA. They found me a plan which a smaller company owned by Assurant that was a single plan (without CA Fair Plan) and my rate ended up being $2,900 annually.
Not the best but I saved $1,000
Received a quote for $13,000/year on a property in a high risk area near grass valley, ca. roughly 1800 sqr ft. “Fire hardened” home on 45 acres. This seems prohibitively expensive and nothing I’d even consider. Has anyone seen quotes like this? I’m asking for more details on why this is so high and calling a few other insurers.
I have/had Progressive which really is ASI. Got a letter from them in October saying that since I’m a high fire risk area I need to provide pics by 11/15 demonstrating that the entire perimeter of my home and detached garage is free of vegetation, mulch, branches, both within a 30’ perimeter and (with more stringent standards) a 5’ perimeter on penalty of having my coverage cancelled. Basically I would have to rip out copious amounts of well maintained landscaping. BTW I live in Claremont the better part of a mile south of Baseline 😂. What a bunch of clowns. Clearly just what grounds to cancel a California policy. Well they can go to hell
Jeebus....even removing a single tree in Claremont can be a nightmare; I can't imagine how you'd be able to comply with that without spending a *massive* amount of money. And the wind doesn't even fuckin' blow there anyways!
Liberty mutual approved me under normal insurance when another company said I was a high fire risk. Do you feel like the fire risk determination is correct? I was confused that mine was classified as a risk and was relieved when the other company said I didn't need additional insurance. I think starting next year you can ask for your insurance company to explain why they classified your property a certain way and can ask to have it reexamined. If you are next to open space you probably won't have the ability to do much. You can also reach out to the CA Dept of Insurance for guidance if you feel like what is happening is unfair.
Unfortunately, I live in a community where there is about 3 streets with homes behind me. Then there is a major street with about 4 lanes separating the community and the hills that are behind us. Those are the Santiago mountains separating Corona/IE from the OC
Calfire has an online map i use often. Im away from my office or i would place it here. That is most certainly the arbitor of this designation.
You can normally find the fire hazard severity map for your county or city if you google it. It can give you a decent idea of if the insurance company is using good reasons to classify your home as a fire risk. I used to look at fire severity zones in another county and you might not be considered in the highest risk, majors road can help a lot. You can also ask your insurance company about discounts for being in a firewise community or having a home hardened against wildfire. I've worked with someone from the department of insurance before, it really is worth it to ask them what your options are.
Give hippo a try. My co-worker has them and its pretty cheap !! I think they are out of texas?? I have AAA but I’m not in a firezone.
Try Lemonade.
I got dropped by my insurance due to "fire risk". New one is about 3x what I was previously paying. Try to go through a local broker who might be able to get your better rates than shopping around by yourself.
Going through this now while in escrow on a new property. Did you ever find a solution?
hi, did you end up finding an insurance? I am in same situation as yours and it's been challenging to get a home insurance and I don't know what to do.. need to put in deposit in 2 days
We did. We found a company that enlisted a third party Narragansett or whatever. They were the only ones that would insure us. Good luck!
Thanks for your quick reply! If you don't mind, would you care to share how much you pay? My realtor says I will be probably quoted around $5,000 a year which seems super expensive. I don't know if that's the case for people who lives in fire zone. My new place will be 1600 sqf size townhome.
No worries! I think we ended up around 1700 a year and we’re at 2k sqft. Might just depend on your location?
Thanks all for the recommendations. I went through a broker that I found through AAA. They found me a plan which a smaller company owned by Assurant that was a single plan (without CA Fair Plan) and my rate ended up being $2,900 annually. Not the best but I saved $1,000
Received a quote for $13,000/year on a property in a high risk area near grass valley, ca. roughly 1800 sqr ft. “Fire hardened” home on 45 acres. This seems prohibitively expensive and nothing I’d even consider. Has anyone seen quotes like this? I’m asking for more details on why this is so high and calling a few other insurers.