High Fire Hazard Home Insurance

Non-Renewal or High Rate Increases?

We Can Help!

Due to the increasing wildfire activity, home and property owners are struggling to obtain home insurance in the heavy brush areas.

Our team at Micheletti Alternative Insurance Solutions can help you obtain the appropriate coverage to keep your property protected.

We have various options for coverage to help you maintain your "fire" and "smoke" coverage that many companies will not provide.

To discover what options are available to you, please complete the form below or give us a call at (209) 576-2808.

What is the meaning of "high brush" areas?

Insurance carriers do not want to insure property in these areas because of the high risk potential for loss. This leads to an increase in non-renewal notices and limits the number of options you have to protect your home from a catastrophic loss.

Insurance carriers define "high brush" as any location with living or dead plant matter, including: bushes, shrubs, trees, and other vegetation near your home.

When a location is over saturated with brush, it makes it more subject to wildfires.

Brush Homes Issues to Consider


Surrounding area brush terrain and landscape. Poor road access for emergency services.

Fire Protection Class

This is a fire department score between 1-10 (10 being very high risk).

Distance to Water Source

Insurance carriers prefer you home is withing 1,000 feet from a fire hydrant.

Closest Fire Department

Insurance companies want your property to be close to a "responding" fire station, not just a volunteer station.

Roof Type

If your home has wood shake roof, it is subject to a fire as opposed to a fire proofed or metal roof.

Primary Two Factors in Considering Fire Risk

1. Home Distance to Brush
2. Density of Brush Location

Coverage Solutions:

Our team specializes in both options below and we can help tailor the right coverage to fit your needs.

1. California FAIR Plan combined with another policy is designed to replace a standard home insurance policy.

2. Non-Standard company with comprehensive all inclusive products.

For More Information & A Free Quote

Follow Micheletti Alternative Insurance Solutions On Social Media


Monday - Friday: 8:00AM - 4:30PM
Saturday & Sunday: Closed

Contact Us

Micheletti Alternative Insurance Solutions
300 Banner Ct. Suite 1
Modesto, CA 95356

Phone: (209) 576-2808
Fax: (209) 530-3888
Email: info@michelettiins.com