State Farm, Farmers, Travelers and Safeco have all declined to insure the house. The home is in Lake Tahoe.
Where Can I Get Homeowners Insurance If I Live In A High Risk Brush Fire Area?
644 POINTSview profileAlex PfeiferOwner, Pfeifer Insurance Brokers, Burlingame, CAMost insurance companies will not insure a home if it is located near brush or is in a wildfire area. Tahoe is in a National Forest so it will be very difficult to get a home insurance policy. You will likely need to use the California FAIR Plan. They will insure your home as long as it's not in need of repairs. Take a look at this site on Brush Fire Insurance for more information. http://www.californiabrushfireinsurance.com/Answered on July 14, 2014flag this answer
14231 POINTSview profileTom SheehanAgency Owner, The Thomas G Sheehan Agency, 27 Glen Road Sandy Hook, CT 06482Living in a higher risk area, either an elevated fire risk zone as you asked about, a coastal area subject to floods and hurricanes or an area that can be subject to tornadic activity each have their own challenges with regard to property insurance. Insurance companies may not offer coverage or they may charge a higher premium to reflect the increased risk they are assuming. Talk to your Insurance Professional about your particular situation. If standard coverage just is not available, most states manage a high risk "pool" of coverage that may be there to meet your needs.Answered on July 15, 2014flag this answer
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