Soooo when is it NOT Fire Season??? Franklin fire in Malibu CA

efil4stnias said

I know we all get sideways about the cost of insurance being so close to Gulf of TBD, but one saving grace is exposure is limited to 6 mo out the year.

California wildfires have become a 12 month exposure.

Im certain we will start to hear the cost of coverage in California once this is all over and folks rebuild and have to get coverage.

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Getting homeowners insurance is getting more difficult in a lot of places. When we bought our house in the foothills a couple of years ago our previous insurer wouldn't cover it. Fortunately State Farm did sell us a policy after they sent an agent out and they saw that the property had been fire mitigated by the previous owners, but it's not cheap.

And we know that other people in our area have been dropped by their carrier, and that was before the fire last summer. We were just talking a few nights ago, before all hell broke loose in LA, about having an agent come back out to advise what else we should do to further mitigate so we don't get dropped in the future.