Understanding Fire Insurance Coverage

Does Homeowners Insurance Cover Wildfire Damage?

Most homeowners insurance policies cover fire and smoke damage, including from candles, grease fires, electrical issues, wildfires, and lightning. Coverage typically includes your home, other structures (e.g., garages, sheds), and personal belongings. However, standard policies may exclude damage from nuclear hazards, arson, poor maintenance, or regular wear and tear. Contact your insurance agent to confirm your coverage.

What If My Policy Doesn’t Cover Fire Damage or I Can’t Get Coverage Due to Wildfires?Some insurers exclude fire coverage in high-risk areas. To address this:

• Shop around for insurers with higher risk tolerance.

• Consider “non-admitted” insurers or surplus lines brokers for specialized coverage.

  • Note: These companies follow different regulations and don’t participate in state guaranty funds, so read the fine print carefully.

• Contact your state insurance department or ask your agent for referrals to surplus lines brokers.

  
  

What If My Home Is Deemed Ineligible for Fire Coverage?

If your area is too high-risk, take these steps:

• Consult an insurance professional to explore options.

• Compare quotes from multiple insurers, including surplus lines.

• Obtain a wildfire-prepared certification from organizations like the Institute for Building & Home Safety.

• Reach out to your state insurance commissioner for guidance on fire insurance and risk maps.

  
  

What Is a FAIR Plan?

FAIR (Fair Access to Insurance Requirements) plans provide fire insurance for high-risk homes that can’t get private coverage.

• Available in many states as a safety net.

• Typically more expensive and offer limited coverage compared to private insurance.

If you’re struggling to find fire insurance, FAIR plans and surplus lines brokers may offer the protection you need. Always ask questions, compare options, and understand your policy to stay prepared.

Hey Inland Empire, I’m Candice Newman! I’ve had the incredible fortune of being born and raised in this amazing community, and I couldn’t imagine living anywhere else. I currently live in Alta Loma with my husband, Jonathan, our son, Trevor, and our dog, Ruger! I’m a real estate agent with a passion for finding new places to explore in the Foothill Communities. When I'm not selling homes, you can find me cheering my son on at his baseball games, exercising, spending time in our local mountains, heading to the lake, cooking, or watching the Dodgers slay the Giants (I was born and raised an Angels fan, but the Dodgers have taken over the household!). I'll never have enough Mexican food and Italian food in my life. I’m looking forward to connecting with you soon! See you around town! Candice.Newman.Realty@gmail.com | (909) 367-3280 DRE: 01924842