California E&S Insurance

Inside Town limits it isn't too hard to find fire insurance and mine is not bad. I think with regular homeowners and fire, all in, I'm at about two grand a year. It isn't high enough to have made a real impression so I'm not 100% sure on that number. I am on the fair plan after my first couple insurance companies pulled out of the state market entirely. As you get outside town and into the county it can go up in a real hurry. It is to some extent location specific. If you are at the top of a steep ravine that is filled with brush, you may have trouble finding anyone in the private sector that will ensure the property. And yes, you will be stuck on the fair plan. I have heard of people paying up to 10 grand a year on the extreme end. I can't remember the name of this site but you can look up climate related risk assessments, including fire, somewhere online. Last I checked, odds were pretty high for any given rural property being exposed to wildfire in the next thirty years. Insurance companies are not ignorant of this fact.

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