Wildfire risk has become one of the most important factors affecting home insurance availability and pricing in California. Some homeowners face non renewal notices or limited coverage options due to their location, even if they have never filed a claim.
The California FAIR Plan is often discussed as an option for higher risk properties, but it is not designed to replace full coverage. The California Department of Insurance provides guidance on when the FAIR Plan applies and how supplemental policies can help fill coverage gaps.
https://www.insurance.ca.gov/01-consumers/200-wrr/
Our team helps homeowners review private market options first and explains alternatives clearly when challenges arise. To discuss your coverage or explore solutions, contact us for personalized guidance.
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