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Homeowner experiences, agent discussions, E&S/surplus lines, and FAIR Plan coverage in California wildfire zones

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redditr/FirstTimeHomeBuyerposthomeownerScore: 17

Request for Advice on Wildfire Insurance Options ( in SF Bay CA )

Request for Advice on Wildfire Insurance Options ( in SF Bay CA ) Hello, I’m currently in the closing phase for a home located in a wildfire-prone area in the SF Bay Area (rated 6 out of 10). As a result, my insurance options are limited. Between the two quotes I’ve received, which would you recommend? 1. **$1.05 million Coverage A** with a **$70,000 wildfire deductible ( $150 more expensive )** 2. **$879,000 Coverage A** with a **$10,000 wildfire deductible** I’d appreciate your thoughts. Thank you!
Source URL
https://www.reddit.com/r/FirstTimeHomeBuyer/comments/1kq628a/request_for_advice_on_wildfire_insurance_options/
Post Date
5/19/2025, 7:49:59 AM
Scraped At
3/15/2026, 6:21:38 PM
Locations
Bay Area

Metadata

{
  "score": 0,
  "title": "Request for Advice on Wildfire Insurance Options ( in SF Bay CA )",
  "subreddit": "FirstTimeHomeBuyer",
  "num_comments": 2,
  "scrape_method": "apify_targeted"
}

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reddit — completed — 1246 posts collected