Call Us (562) 273-3989 ☰ ˟
Logo
Call Us (562) 273-3989
  • Home
  • Get A Quote
    • AutomobileImage of right arrow
      • Auto Insurance Quote
      • Car Insurance Quote
    • Business & CommercialImage of right arrow
      • Commercial Auto Insurance Quote
      • Business Owners (BOP) Quote Form
    • Farm
    • Flood
    • Homeowners
    • Motorcycle
    • Recreational Vehicle
    • Renters
    • Tax
    • Trucking
    • Watercraft & Boat
  • Customer Service
    • AutomobileImage of right arrow
      • Request ID Card for Auto Policy
      • Request Declaration and Coverages Page for Auto Policy
      • Send Declaration and Coverages Information to Lien Holder
      • Add Vehicle to Existing Auto Policy
      • Remove Vehicle from Existing Auto Policy
      • Add Driver to Existing Auto Policy
      • Remove Driver from Existing Auto Policy
    • Business & CommercialImage of right arrow
      • Request ID Card for Commercial Auto Policy
      • Request Declaration and Coverages Page for Commercial Auto Policy
      • Add Vehicle to Existing Commercial Auto Policy
      • Remove Vehicle from Existing Commercial Auto Policy
      • Add Driver to Existing Commercial Auto Policy
      • Remove Driver from Existing Commercial Auto Policy
      • Request General Liability Certificate of Insurance
    • Flood
    • HomeownersImage of right arrow
      • Request Declaration and Coverages for Existing Homeowners Insurance Coverage
      • Request Evidence of Insurance
    • MotorcycleImage of right arrow
      • Request ID Card for Motorcycle Policy
      • Request Declaration and Coverages Page for Motorcycle Policy
      • Add Motorcycle to Existing Policy
      • Remove Motorcycle from Existing Policy
      • Add Driver to Existing Motorcycle Policy
      • Remove Driver from Existing Motorcycle Policy
    • Recreational VehicleImage of right arrow
      • Request ID Card for Recreational Vehicle Policy
      • Request Declaration and Coverages Page for Recreational Vehicle Policy
      • Add Recreational Vehicle to Existing Policy
      • Remove Recreational Vehicle from Existing Policy
      • Add Driver to Existing Recreational Vehicle Policy
    • Renters
    • Watercraft & BoatImage of right arrow
      • Request ID Card for Watercraft Policy
      • Request Declaration and Coverages Page for Watercraft Policy
      • Add Watercraft to Existing Policy
      • Remove Watercraft from Existing Policy
      • Change Primary Operator on Existing Watercraft Policy
  • Blog
  • Make a Payment
  • Resources
    • Secure File Area
    • Refer a Friend
    • Important Links
    • Calculators
    • Insurance Glossary
    • Frequently Asked Questions
  • About Us
    • About Barua insurance Services
    • Location Map
    • Employee Directory
    • Customer Testimonials
    • Privacy Policy
  • Contact
    • Contact Us
    • Join Our Newsletter
Home > Blog > FIRE INSURANCE FOR HOMEOWNERS IN CALIFORNIA
THURSDAY, AUGUST 22, 2019

FIRE INSURANCE FOR HOMEOWNERS IN CALIFORNIA

Fire Insurance for Homeowners in California: Three California wildfires continue to ravage California, destroying more than 7,000 structures and displacing hundreds of thousands of people. With heightened wildfire activity across California, obtaining insurance is tougher than ever more insurance companies aren’t renewing policies for customers in high-risk areas and premiums are on the rise. Here’s what you need to know about your coverage and filing a claim for fire insurance. 

Fire Insurance for Homeowners in California

Fire Insurance for Homeowners in California complaints about being dropped from their plans increased threefold from 2010 to 2016.California Insurance Commissioner David Jones told the AP he expects more rate increases and more policies to not be renewed, particularly in high-risk fire areas. Consequently, the search for a new or replacement policy may be a little more grueling and costly than it used to be. 

What is fire insurance? 

Fire insurance is a type of property insurance against fire loss or damage. Typically, a standard homeowner insurance policy will include coverage in the event of a fire. As long as you’ve been paying your premiums, the standard homeowner’s insurance policy covers fire damage to your home, structures on your property, and most of your belongings. However, it’s possible you’ll need to pay more for additional coverage if you live in a high-risk area or if you’re not able to find coverage in the open market. 

Fire Insurance for Homeowners in California

What does fire insurance cover? 

Whether you have basic coverage with the California FAIR plan, or you have limitations on your homeowner’s policy, it’s important to know the extent of your coverage. If your whole house burned down, it used to be that you had guaranteed replacement, insurers started to rethink this and apply an absolute limit on what they will pay. 

A “replacement cost” of your home covers the cost of a damaged home with a similar home, but some insurance companies can limit that at 20% over the face value of the policy. 

How do you file a claim after a fire? 

As with any kind of insurance, the first step to filing an insurance claim is documentation. This can provide helpful evidence if an insurer disputes, say, that you owned a state-of-the-art home-theater setup. The insurer will then send a claim for damage assessment, using a local contractor as a guideline to use for an estimate, which can help you negotiate with your insurance company’s contractor (who you’re not required to use). 

 
Spread the love
 
 
Posted 4:46 AM

Tags: home insurance
Share |


No Comments


Post a Comment
Required
Required (Not Displayed)
Required


All comments are moderated and stripped of HTML.

NOTICE: This blog and website are made available by the publisher for educational and informational purposes only. It is not be used as a substitute for competent insurance, legal, or tax advice from a licensed professional in your state. By using this blog site you understand that there is no broker client relationship between you and the blog and website publisher.
Blog Archive
  • 2022
  • 2021
  • 2020
  • 2019
  • 2016

  • auto insurance(30)
  • tricks(18)
  • blog(17)
  • driver(8)
  • home insurance(7)
  • insurance(2)
  • sr22(2)
  • renters insurance(1)
  • business function(1)
  • celebrations(1)

View Mobile Version
Carrier
Carrier
Carrier
Carrier
Carrier
Carrier
Carrier
Carrier
Carrier
Home| Get A Quote| Customer Service| Blog| About Us| Employment| Contact
6 Centerpointe Dr Suite 700 | La Palma, CA 90623
P: (562) 273-3989  P: (562) 380-2282
Logo

Powered by Barua Insurance Services