High Brush Areas Limit Homeowners Insurance Options
High Brush Areas Limit Homeowners Insurance Options
In California, when evaluating a home's eligibility, one of the reports homeowners insurance companies check is a brush hazard report. Many companies have changed their standards over the recent years due to the large number of losses incurred in fires across the state. Some companies will require that you have at least a 1000 foot clearance around your home from any brush.
Recently, with the standards being changed, many homeowners are finding themselves in a position that their insurance company will no longer insure their home based upon the companies' new guidelines regarding brush hazards. Some of these homeowners have been with their current carrier more than 20 years. With the implementation of new guidelines account maturity is not a factor.
Insurance companies do not want to be placed in a position that they could potentially suffer large losses as a result of a fire that continues to spread for days and weeks. If your home is located in an area that is considered a high burn area you may find it harder now to find an insurance company to insure your home.
Although you may not be required to find a new insurance company due to the brush hazard of your home, you may find that your rates on your renewal come in higher than previous years. These changes have stimulated homeowners to begin to shop their insurance packages with new insurance carriers. Generally, consumers that are getting non-renewed or are receiving renewal offers at a higher premium will get quotes on all of their insurance needs including their auto and umbrella insurance policies. What Do You Know About California Homeowners Insurance? Shopping for and Maintaining Adequate Homeowners Insurance NY Choosing A Home Insurance Company Based On Its AM Best Rating Factors To Consider When Binding Home Insurance In Florida Four Issues To Keep In Mind When Renewing Your Property Contents And Home Buildings Insurance What You Need to Know About Home Insurance How To Save Money On Your Homeowners Insurance Why motorhome insurance is essential Home Insurance coverage Quote Online - What You Want To Know Earlier than Purchasing How to find the best motorhome insurance Where to Find Competitive Home Insurance Quotes What motorhome insurance covers How To Buy A Home Insurance Policy