High Brush Area Policy Options

2015-2022 experienced an unprecedented amount of fire claims in areas considered high brush fire risk zones.  Malibu, Paradise, Big Bear, Arrowhead and various other higher risk zip codes in fire prone areas have had all insurance carriers take another look at their risks in these areas and most have decided to exit or non-renew all together.
Fortunately, in many cases there is another option.  This would be a California Fair Plan (CFP) policy coupled with a Difference in Conditions (DIC) policy to cover some gaps and add liability.
We always attempt to place a property with a preferred or standard carrier market but when we exhaust our resources we do our best to provide a CFP & DIC package to best mirror a single carrier policy.
The CFP (California Fair Plan) policy offers coverage for Fire, Lightning, Extended Coverages, and Vandalism & Malicious Mischief.  Maximum total coverage $3M.
The DIC (Difference in Conditions) policy can offer most of the other missing coverages, based on the occupancy.  This may include Liability, Water Damage, Theft, Water Backup, Mold, ID Theft, Personal liability and Med Pay.
Although the cost of these 2 policies may seem excessive at the end of the day it’s our job to provide the best available options to protect one the largest assets you may own.  We hope this information helps.