Rate hikes and non renewals happen.
I mean, you haven't had a wildfire in your backyard, or even up the canyon road. Heck, you haven't seen or smelled smoke within miles. Wildfires are not part of your life- that's just on the evening news for places like San Marcos and Los Angeles and San Diego. But not here.
Wildfires scare many insurance companies.
Insurance companies are more cautious than ever about wildfires. And that's why you may get that unpleasant phone call some day saying... "we aren't renewing your fire insurance policy."
More and more insurance companies who do business in California are taking a new look at computer models and statistical data to properly rate their policies and choose who to insure... and who not to insure. It feels like they are the "bad guys" when they do this. We understand that feeling. We live here too. We're your neighbors, and we are consumers just like you. And sometimes it seems like we are powerless to do anything. But we aren't powerless.
You are not powerless.
There are some great recommendations from many sources like CalFire and major insurers that will protect you and your family from harm, and may help you reduce your premiums. Here are three simple things we recommend:
Clear a "Defensible Space."
Start now to create a safe buffer zone between you and any wildfire. California state law requires at least 100 feet. That's a great place to start. But doing more may save your home some day. Your insurance company expects you to do your part by obeying this simple rule.
Ask your agent about any possible discounts for improvements to your property.
You may be planning on making improvements to your home. If so, call your insurance agent in Rancho Santa Margarita to see how home improvements may impact your premiums, and if there are any additional discounts you might be eligible for. You also want to make sure that you have enough coverage under your current policy.
If you've been non renewed - call us at Farcone Insurance.
It happens. The company you've been with for years suddenly cancels, non renews or drastically raises your rates. It's not personal- but it feels that way. We understand. We have years of experience helping our friends and neighbors in Rancho Santa Margarita, Trabuco Canyon, Coto De Caza, Dove Canyon get the lowest possible rates on fire insurance.
Let us help you. Call us at (888) 327-2663.
(Photo of firefighting helicopter, courtesy Dan Dawson, CC Licensed.)