El Dorado County Fire Insurance
As the wildfire season enters its peak in California, many homeowners are scrambling to find fire insurance. El Dorado County was one of the counties hardest hit by the 2017 wildfire season, and residents are still rebuilding their homes and lives. Fire insurance is an important part of protecting your home from wildfire damage, but it can be difficult to find coverage if you live in a high-risk area. Here are some tips for finding fire insurance in El Dorado County.
1. Check with your current homeowners insurance provider
Your first step should be to check with your current homeowners insurance provider to see if they offer fire insurance in El Dorado County. Many insurance companies will not offer coverage in high-risk areas, but some may be willing to provide coverage if you are willing to pay a higher premium. If your current insurer does not offer fire insurance, ask if they can provide a referral to another company that does.
2. Shop around for fire insurance
If your current homeowners insurance company does not offer fire insurance, or if you are not satisfied with their rates, you will need to shop around for coverage. There are a number of insurance companies that specialize in fire insurance, and you can get quotes from several companies to compare rates. Be sure to ask about discounts and other ways to save on your premium.
3. Consider a higher deductible
If you are having trouble finding affordable fire insurance, you may want to consider a higher deductible. A higher deductible means you will have to pay more out of pocket if you have a claim, but it can also help to lower your premium. Be sure to review your finances and make sure you can afford the higher deductible before you make this decision.
4. Consider alternative coverage options
If you are still having trouble finding affordable fire insurance, there are a few alternative coverage options you can consider. One option is to purchase a policy that covers only the dwelling and contents of your home, without including liability coverage. This type of policy will typically have a lower premium than a standard homeowners policy. Another option is to purchase a policy that covers only a portion of the dwelling, such as the first floor. This type of policy can also help to lower your premium.
5. Contact the El Dorado County Fire Safe Council
If you are a resident of El Dorado County, you can also contact the El Dorado County Fire Safe Council for assistance. The Fire Safe Council is a nonprofit organization that provides resources and information to help residents reduce their risk of wildfire damage. The Fire Safe Council can also help you find affordable fire insurance.
