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
Primary Two Factors in Considering Fire Risk
1. Home Distance to Brush
2. Density of Brush Location
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.