California Wildfire Coverage
High-Risk Wildfire Home Insurance Solutions in California
If your homeowners carrier dropped you, jacked the rate, or refused to renew because of CAL FIRE Tier-3 mapping, you're not alone. We package the California FAIR Plan with a DIC (difference- in-conditions) wrap so you end up with coverage that looks like a real homeowners policy.
Get a Wildfire QuoteWhat we place for high-risk California homes
- California FAIR Plan — the state's insurer of last resort for fire, lightning, and internal explosion. Covers dwelling + structures.
- DIC wrap policy — adds back what the FAIR Plan doesn't cover: liability, theft, water damage, personal property, loss of use.
- Admitted carrier reentry — we re-shop your home every renewal as standard carriers return to specific ZIPs after mitigation rule changes.
- Mitigation credit support — defensible-space, Class-A roof, ember-resistant vents, and Safer-from-Wildfires credits under CDI Reg 2644.9.
Counties we work with most often
Madera, Mariposa, Tulare, Calaveras, El Dorado, Placer, Nevada, Butte, Shasta, Sonoma, Napa, San Diego (East County), and the foothill ZIP codes east of Fresno and Bakersfield where CAL FIRE has expanded the Very High Fire Hazard Severity Zone.
Things that lower your premium
- 5 ft of non-combustible Zone 0 around the home
- Class-A fire-rated roof
- Enclosed eaves and ember-resistant vents
- Dual-pane tempered windows
- Recognized Firewise USA community participation
Don't go bare — let's get you covered
We'll quote the FAIR Plan + DIC combo and also check whether any admitted carrier is writing your ZIP again. Two-minute online start, real broker follow-up.
Start My Wildfire Home Quote