California E&S Insurance

It really depends on if you can find insurance and sometimes it isn’t much more, other times you’re stuck with CA FAIR Plan. For my old house in Pasadena/unincorporated LA Co at the base of the forest (highest fire hazard) I couldn’t find any, all the insurance companies / agencies had written all they could in that area, there had been a huge fire 7 years before I bought. I would look every few years for new insurance. (My house was not affected, just one singe on a sliding glass door, many houses burned to the ground.) But FAIR Plan wasn’t bad at that time, it’s expensive now. (You have to get a wrap around policy for non-fire). Bought a new home 1/2 mile up the street just before covid, larger more expensive, more secluded, more likely to be in a fire, but my husband’s auto insurance agency was able to write for it and the price really doesn’t seem to be bumped up for high fire, plus discounts for having Auto with them too. Didn’t go up even though the Bobcat fire had us on Evacuation Warning for a long time. If you’re on any neighborhood groups like on FB, ask who they insure with. Or make a lot of phone calls and ask, ask different agencies with the same company too.

{
  "score": 0,
  "title": "",
  "subreddit": "LosAngelesRealEstate",
  "num_comments": 0,
  "scrape_method": "apify_targeted"
}