Fire Insurance Challenges
Over the past several years, it has not been uncommon for homeowners in parts of Escondido and the surrounding areas to have their current fire insurance policy rates dramatically increase or have coverage dropped entirely. This is especially true for property in Very High Fire Hazard Zones. For some homeowners, residential insurance is getting harder to find. Many homeowners that receive nonrenewable notices are often forced to seek insurance from another provider at a much higher rate. However, there are things you can do to make your property a better risk for insurance providers, which may lower your rates with some companies. It is important to understand that the Fire Department does not have influence over insurance providers, but we can help arm you with information such as your distance from a fire station or a fire hydrant and the staffing levels and ISO rating of the Escondido Fire Department.
If you or someone you know has lost their homeowners insurance coverage due to wildfire risk, here are a few tips: