Fire Insurance Non Renewals

photo-1470260749628-75a34921a98aWith nearly 500,000 California homes under serious risk from wildfires, many insurance companies are raising premiums or declining to renew policies. The threat of wildfires seems to grow more severe with each passing year, and homeowners need to find viable options to maintain insurance coverage on their homes.

Be Proactive

Check with your insurance company well in advance of the policy renewal date. Many homeowners assume their policy will be renewed, since they haven’t heard otherwise, only to discover their insurance company has no intention of renewing. Under current regulations, they must notify you in writing at least 45 days before the expiration of the policy, but you won’t want to be under pressure to find new coverage. See attachment below for 8 Tips for Homeowners in Wildfire Zones.

Fire-Harden Your Home

Did you know there are steps you can take to “fire harden” your home? Besides protecting your family and your home, some steps may prevent your insurance cancellation. Check with your agent to see your options, and see attachment below for ways to fire-harden your home.

Related Risks – Flood and Mud

After a fire, changes to the terrain can result in a greater risk of flooding and mudslides. Most homeowner policies do not cover flooding. Be sure to check with your insurance agent to see what coverage may be needed in order to protect your home from these additional threats. See attachment below for must-know information on flood and mudslide risks.


The following resources are provided by the California Association of Realtors. (Click on each publication below to access PDF.)

How to Find or Keep Fire Insurance

Fire Harden Your Home

Prepare for Flood and Mud


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