Is Your Home in a Fire or Brush Area? If so what you need is brush wildfire insurance. We offer the best Orange County brush fire insurance that covers you well while 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 for Brush Wild Fires:
Many local homeowners are finding that their current insurance company is not offering renewals because their home is located in a fire or brush area. New home buyers in those areas are finding that getting adequate home insurance coverage can be tough. We frequently see unfortunate brushfire incidents on the news. The non renewal and shopping for home insurance can turn into a frustrating experience. A good 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 departments ability to suppress a fire at your home. Ratings are listed from 1-10. A rating of 1 is listed as “superior” and a 10 would be “very high risk”. Insurance Companies may also use other tools to identify homes in high risk areas. 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
Specific Area Concerns: Our service area includes Aliso Viejo, Anaheim, Anaheim Hills, Balboa, Balboa Island, Brea, Buena Park, Capistrano Beach, Corona Del Mar, Cypress, Costa Mesa, Coto De Caza, Cypress, 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.
There are plenty of local insurance companies available that our agency represents including preferred insurance companies that offer local insurance for homes in brush areas.
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 to name a few. All these insurance companies offer very good protection at an affordable price most homeowners just don’t know it.
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.