Call (949)450-1822 or click the button below to receive a free quote on the California Fair Plan or fire insurance!
Is your home in an alleged fire or brush area? If so, what you need is fire insurance. We offer the best orange county fire insurance that gives you great coverage, meanwhile being affordable. If your home is located within forested areas, you would be a great candidate for this type of insurance.
Tips on How to Insure Your Home With Fire Insurance:
Many local homeowners are finding that their current insurance company is not offering renewals because their home is located in an alleged fire or brush area. New home buyers in those areas are finding that getting adequate home insurance coverage can be tough. The non-renewal and shopping for home insurance can turn into a frustrating experience, but a good and knowledgeable local insurance broker or agent is key to helping you find what you’re looking for! Have no fear, Unity One Insurance will take care of you! Keep in mind, companies are using more underwriting information to better access potential risks. Your home location is listed in an “ISO Public Protection Class”. This rating measures the fire department’s ability to suppress a fire at your home. Ratings are listed from 1-10,1 being “superior” and a 10 being, “very high risk”. To find out more about how your home is being deemed a fire risk, read our blog post here. No matter how severe the fire area, there are options to get the proper insurance coverage to meet your needs!
What an insurance company will consider:
- Miles from the responding fire station (less than 5 is best, over 10 is very high risk)
- Distance to fire hydrants or water storage tanks
- Clearance from brush
- Home construction type and roof type
- Wildfire history in the area
Help! My Homeowners Policy Has Been Cancelled!
The massive amount of damage the California wildfires have caused led many insurance companies to reassess which houses and geographic areas they wish to insure. Properties that are ineligible for a preferred policy can still be placed with insurance companies such as Foremost, CSE Safeguard Select, Lloyds Of London, Lexington, Scottsdale, Travelers, etc. to name a few. All these insurance companies offer very good protection at an affordable price, most homeowners just don’t know it.
It is becoming a new trend for an insurance carrier to drop a homeowners policy if the property is located within 1/2 mile to fire hazard/brush areas. Once a home is said to be a “high exposure risk”, the policy may be canceled or non-renewed. Once a fire insurance or homeowners insurance policy has been canceled, the mortgage company is notified. Now, the homeowner must find a new homeowners or fire insurance policy that will insure this “risk”. If the homeowner fails to do so, then the mortgage company will buy insurance on the home. This process is called “force-placed insurance”, which can be extremely expensive and not have the coverage that you need. Please call us and get the right coverage you need for the most affordable prices.
California Fair Plan
If your home is classified as being in a severe fire area and other companies are unwilling to write a policy for you, you should consider the California Fair Plan. The Fair Plan is intended to be the “insurer of last resort” for hard to place policies.
The California Fair Plan has major gaps in coverage that make it unsuitable for most needs without a “wrap around” policy. A “wrap around” policy helps to fill coverage gaps such as liability coverage, loss of use coverage, and extended perils such as theft or burglary. “Wrap-around” policies are offered by many major carriers and may qualify you for a multi-policy discount. A Fair Plan policy with a “Wrap-around” may offer you an economical policy to help insure your home in a high-risk area. If this is confusing, give us a call or read this blog post explaining how this works.
Specific Areas Of Concerns, But Many More Cities To Name:
Aliso Viejo, Anaheim, Anaheim Hills, Balboa, Balboa Island, Brea, Buena Park, Capistrano Beach, Corona Del Mar, Cypress, Costa Mesa, Coto De Caza, Cypress, Descanso, Dove Canyon, Foothill Ranch, Fountain Valley, Fullerton, Garden Grove, Huntington Beach, Irvine, Ladera Ranch, Laguna Beach, Laguna Hills, Laguna Niguel, Laguna Woods, La Habra, Lake Forest, Las Flores, Los Alamitos, La Palma, Midway City, Mission Viejo, Newport Beach, Newport Coast, Orange, Placentia, Portola Hills, Rancho Santa Margarita, San Clemente, San Juan Capistrano, Santa Ana, Silverado Canyon, Stanton, Seal Beach, Silverado Canyon, Sunset Beach, Talega, Trabuco Canyon, Tustin, Tustin Ranch, Villa Park, Westminster, Yorba Linda.
Need more info? If you have specific questions about your home’s wildfire or brush risk, we would be glad to talk with you. Please call us at 949-450-1822 or email info@unity1.com
