Everyone in California knows that fire insurance rates are astronomical. And like our yearly wildfires, insurance rates seem to be getting worse by the year.
What’s worse, many homes are completely ineligible for fire insurance because they are in high risk wildfire zones.
Luckily, you can decrease your fire insurance premium. You could even get fire insurance if you’ve been turned down before. Here’s how.
Insurance companies calculate premiums based on risk and probability. For fire insurance, homes with a higher risk level—meaning a higher probability of suffering from fire damage—will have higher insurance rates.
Some of the factors an insurance company might consider are:
Unfortunately, most of these factors are outside of your control—short of moving to a new home. So what can you actually do to get cheap fire insurance in California?
There’s no single “trick” to getting cheaper fire insurance, but there are several things that insurance companies take into account when calculating your premium—and ways you can get a better deal.
Together, all of these steps can help reduce your fire insurance premiums in California. But what if your rates are still sky-high? What if you can’t get coverage at all?
The lower your home’s fire risk, the better insurance rates you can get. That’s why countless families throughout California are pleasantly surprised to see their rates go down after choosing FireClear.
FireClear’s quick, annual application of Phos-Chek—the very same Phos-Chek used by professional firefighters—can help slow approaching wildfires effectively enough to buy your home precious time during a wildfire.
FireClear uses Phos-Chek, which is safe, non-toxic, odorless, colorless, and only takes one yearly application to safeguard your home. Phos-Chek is so effective that it could easily lower your fire insurance rates.
We know better than anyone that fire insurance premiums in California are skyrocketing.
That’s why we’re partnering with insurance companies, HOAs, property managers, homeowners and fire officials throughout California to protect against wildfires and help make fire insurance more affordable for everyone.
Ready to protect your family and your home? Interested in lowering your fire insurance premium or getting coverage for the first time? All you have to do is contact us for a free property assessment—you have nothing to lose.