Start by gathering your notice, current declarations page, photos of the roof and exterior, and any proof of mitigation like cleared defensible space or ember-resistant vents. Contact an independent advisor who can access both standard carriers and the California FAIR Plan. In many cases we place fire coverage with the FAIR Plan and pair it with a Difference in Conditions policy for wind, water not caused by flood, theft, and liability. We also outline practical upgrades like Class A roofing, enclosed eaves, cleared vegetation, and ember-resistant screens that can improve eligibility. Document every improvement so underwriters can review accurate information.

Focus on items that meaningfully change risk. Roof upgrades, monitored alarm systems, water leak sensors, and wildfire hardening can help. Consider a higher deductible that fits your comfort level. Bundling home with auto can create multi policy pricing while keeping strong liability limits. Review scheduled valuables and deductibles so jewelry, art, or collectibles are covered the way you prefer. Avoid filing small claims that can raise future pricing.

Under a standard homeowners policy, fire is generally covered unless specifically excluded. In brush or hillside areas where standard coverage is not available, the FAIR Plan provides fire coverage only. A companion Difference in Conditions policy is often added to provide other perils and personal liability that the FAIR Plan does not include. We review both parts together so you understand total limits, deductibles, additional living expense, and any sublimits before binding.

Always insure to rebuild cost, not what a buyer might pay. Rebuild cost reflects local labor, materials, custom finishes, and code upgrades. We calculate a dwelling limit that aims at full replacement, add extended replacement cost when available, and include ordinance or law coverage for code compliance. We also review inflation guard and demand surge considerations that can affect pricing after a regional event.

Yes. We align the policy with the deed by listing the trust appropriately, often as a named insured or additional insured, and we include trustees as required by the carrier. If there is a lender in the name of the trust, we update mortgagee details. We confirm the umbrella reflects the same titling so liability extends properly. Bring your trust pages and deed language so we can set this up cleanly the first time.