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How to Find (or Keep) Fire Insurance

After several years of record-breaking California wildfires, some insurance companies have responded by forgoing the issuance of new policies, imposing huge premium increases on existing customers, and leaving many property owners worried about losing their coverage.

Here are some tips to help those impacted maintain their current insurance plan or, if necessary, find a new one.

8 Tips for Homeowners in Wildfire zones

  • Know your Rights if your insurance company is not going to renew your policy
  • Contact your insurance company immediately if you receive a notice of rate increase or non-renewal
  • Consider working with an insurance agent
  • Check for policies written by admitted insurance companies backed by the California Insurance Guarantee Association (CIGA)
  • Make sure you are not underinsured
  • Compare types of coverages and limits
  • Check surplus lines insurance options if necessary
  • Use the California FAIR Plan as a last resort