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High Fire Risk Insurance

High Fire Risk Insurance

Fires are becoming more common all over California. Unfortunately, this means that your home could be affected, particularly if you live in a dry and hot area of the state. As a result of the increased risk, many insurance companies will struggle to provide you with a competitive quote. Here at ISU Armac, we can help you find high fire risk insurance if you live in an area that is affected by this issue. Let’s have a look at what this means.


How Can I Find High Fire Risk Insurance?

If you’re planning on moving to a high fire risk area, you’ll have noticed that it can be challenging to find insurance for your home. While some companies might decide to charge you more, others will place a cap on your potential payout or even refuse to take you on as a customer at all. For people with this issue, the state of California provides Fair Access to Insurance Requirements (FAIR) plans, but they should only be used in an emergency.

Unlike regular insurance, a FAIR plan might not give you many options, and it can also be more expensive. Before committing to one, you should explore all your options and try to find a company that offers insurance specifically for people who live in a high fire risk area. Such plans are tailored to your needs and will most likely provide you with better value.

What Type of Coverage Do I Need?

As mentioned, you’ll have several options when you purchase insurance through a firm like ISU Armac. We work with over 300 insurance providers, so we can offer you almost any plan in existence. In most cases, you will be covered against four main types of damage: interior, exterior, loss of personal property inside your home, and injuries incurred by another person who was at your home.

When you get in touch, our representative will ask you questions about your home’s location, size, and structures. Before signing up, you will have to detail everything you’d like to have insured, as your policy won’t cover possessions you haven’t listed. Once we have a good idea of the kind of protection you need, we can make some suggestions about the most appropriate types of cover.

What Can I Do to Protect My Home?

Aside from relying on your insurance, there are several things you can do to protect your home from fires. To get started, remove any vegetation and flammable objects at the edge of your property. This might include trees that overhang your roof or could otherwise transmit a fire to your building. In high-risk areas, there are usually support groups that can help you to fire-proof your home and give it the maximum protection possible.

Insurance tailored to people living in areas at risk of a fire will become more and more in demand over time, as the earth’s temperature rises. Often, it is hard for people living in high-risk areas to find good insurance, but we are here to help. Get in touch with us now at ISU Armac to find out more about the various types of insurance we provide and how much it might cost you to insure your primary residence.

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