If you live in California, you are likely aware of the risks of wildfires. In recent years, California has experienced some of the worst wildfires in its history, with thousands of homes and businesses destroyed and lives lost. One of the most important steps you can take to protect yourself and your property is to have fire zone insurance.
Fire zone insurance is a specific type of insurance that is designed to cover losses related to wildfires. In California, fire zone insurance is often required if you live in an area that is considered to be at high risk for wildfires. These areas are often referred to as "fire zones" or "wildfire zones."
If you are looking to purchase fire zone insurance, there are a few things you should know. First, it is important to understand what the policy covers. Fire zone insurance typically covers damage to your home and personal property, as well as any additional living expenses you may incur if you are forced to evacuate your home due to a wildfire.
It is also important to note that fire zone insurance is separate from your homeowners insurance. The California Fair Plan can write up to 3 million Total Insured Value - this includes coverage for the house, personal property, loss of use, debris removal, fences, other structures. If your home is over 4000 sq ft it is a good idea to speak with us to get an Excess Fire Policy that goes above the 3 million. We can write up to 10 million TIV.
When shopping for fire zone insurance, it is important to work with an experienced insurance agent who understands the risks associated with wildfires in California. They can help you determine the appropriate level of coverage for your needs and provide guidance on how to reduce your risk of fire-related losses.
Some tips for reducing your risk of fire-related losses include:
Clearing brush and other debris from around your home
Creating a defensible space around your home by removing vegetation and other flammable materials
Ensuring that your home's roofing, siding, and other materials are fire-resistant
Having a plan in place for evacuation in case of a wildfire
In conclusion, if you live in California, fire zone insurance is an important type of insurance to consider. It can provide peace of mind knowing that you are protected in the event of a wildfire. By working with an experienced insurance agent and taking steps to reduce your risk of fire-related losses, you can help protect yourself and your property from this very real threat.