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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/homeownersposthomeownerScore: 8

CALIFORNIA FAIR ACT INSURANCE FOR US IN NOR CAL

CALIFORNIA FAIR ACT INSURANCE FOR US IN NOR CAL Its always been like this here!!! Yes there are trees lots of trees but there has always been trees and pg and e or whoever start one big fire ( I thought they had to pay out) but the insurance companies now are saying sorry we dont qrite policies in shasta county because its a wildfire area ?? Meaning what? Weve always had fires living here, since i of and on grew up here!!! Sometimes people start fires so the fire crews can get paid!!! People want to make that money!! Usually its not horrible loose fires that cant be stopped, except for the carr fire but WTF ya know we homeowners need that protection what if somebody gets pissed off at you and throws a little flame ball over your fence right into your back wooden patio...well its on then , your place will go up and possible the neighbors too!!! Nobody wants that shit ,whoever started that tho would be pretty Fd up amd would get hunted down and left at the bottom of the lake with the rest of the bodie s that have been put there over the years!!I WANT THE RIGHT TO BE A DICKHEAD IF I WANT OR NEED TO BE!! I wanna be able to say Ff##$# You !!! To an asshole if the atmosphere requires it..without having to worry they might come back and burn my house down mainly because they know i prolly couldnt get insurance !!! F$%$ my whole life wpuld be done !!! Not to many people are lucky enough to even own a house in their lifetime and now that you got one you cant protect it!!!! Its the worst feeling to know how easy itd be to lose your security your investment your future your home your safe place ...your everything I may look into selling tommorrow but i do love my house Ive worked on it everyday that i have been here and enjoyed every minute doing that!!
Source URL
https://www.reddit.com/r/homeowners/comments/1gutwze/california_fair_act_insurance_for_us_in_nor_cal/
Post Date
11/19/2024, 10:12:05 AM
Scraped At
3/15/2026, 9:25:16 AM

Metadata

{
  "score": 0,
  "title": "CALIFORNIA FAIR ACT INSURANCE FOR US IN NOR CAL ",
  "subreddit": "homeowners",
  "num_comments": 20,
  "scrape_method": "apify_targeted"
}

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reddit — completed — 1798 posts collected