Wildfire coverage is typically included in a standard home insurance policy from an insurer that has been approved by the state.
But insurers that offer policies in areas with a high risk of wildfires are raising premiums, limiting coverage, or not renewing policies to lessen their financial losses.
According to certified wildland fire assessor and co-founder and CEO of Madronus Wildfire Defense, which assists homeowners in reducing their wildfire risk.
Ivan ONeill, it is essential to review the covered and excluded perils in your policy or quote to ensure that wildfire is covered.
Depending on the policy, home insurance may cover fire and smoke damage to:
If you are unable to live there, you will need to pay for your living expenses. Some policies may not cover things like detached buildings and landscaping.
