This conversation went somewhere else. Sorry about that.
I do pay through escrow but the insurance is my own through farmers with an agent I have always trusted. The increase makes no sense to me and they don’t seem to have an answer for me. They’re looking into construction insurance though in the mean time.
I think we also got rezoned with being on the edge of the high fire danger zone. We are part of a very thing band that makes it into that zone.
After the fire and being a complete loss the insurance funds will cover about 50-60% of the rebuild. According to the lawyers in the Edison suit and my neighbors this is about as much.
Not your case? This was our first home so we knew nothing more than “I’ll pay whatever minimums are” and I live in regret now.