How to Find Affordable Homeowners Insurance Near California

Let’s be honest: shopping for home insurance in California right now is a nightmare. You spend hours on the phone or filling out online forms, only to be told "no" again and again. It’s easy to feel powerless, like you’re at the mercy of a market that no longer wants your business. But you have more control than you think. By understanding which companies are still active, how to make your home a lower risk, and where to look for coverage, you can change the game. Finding affordable homeowners insurance near California is still possible, but it requires a smarter approach. This guide provides that approach, with clear, actionable steps to get you covered.

Key Takeaways

• Focus Your Search Where It Counts: Save time by first identifying which companies are writing policies in your specific ZIP code. Look beyond the big names to smaller, regional insurers and always check a company's financial rating to ensure they can pay claims when you need them most.
• Insure for Rebuilding, Not Reselling: Your policy's most important number is the replacement cost—the amount needed to completely rebuild your home. Remember that standard policies don't cover earthquakes or floods, so you'll need separate coverage for those specific California risks.
• Take Control of Your Premium: You can directly influence your insurance costs. Earn significant discounts by bundling your home and auto policies, installing safety features like smoke detectors, and asking your agent to do a full review for every available price reduction.

Why Is California Home Insurance So Complicated?

If you feel like finding homeowners insurance in California is a full-time job, you’re not alone. The process has become incredibly complex, leaving many homeowners feeling stuck and confused. It’s not just you—the ground is shifting beneath our feet. The combination of a changing insurance market, the state’s unique natural disaster risks, and hyper-local pricing factors has created a perfect storm. Understanding these key pieces is the first step to finding a path forward and securing the coverage your family needs.

The Market is Changing

It has become genuinely harder to find coverage because the number of options is shrinking. Faced with growing wildfire risks and reconstruction costs, some of the biggest names in insurance have decided to scale back their business in the state. Major companies like State Farm and Allstate have stopped or limited selling new home insurance policies in California, which means fewer choices for you. This pullback creates a ripple effect, increasing demand for the remaining insurers and often driving up prices. You’re now competing with more people for fewer available policies, which is why your search might feel so much more difficult than it did a few years ago.

Wildfires, Earthquakes, and Other Risks

Living in California means dealing with risks that are rare in other parts of the country, and standard insurance policies don’t always cover them. For instance, a typical homeowners policy does not cover damage from earthquakes; you’ll need to buy a separate policy for that. While standard insurance does cover fire damage, getting a policy in the first place can be a major hurdle if you live in an area with high wildfire risk. Insurers are more selective than ever about which homes they’ll cover in these zones. On the bright side, you can sometimes get discounts if you take proactive steps to make your home safer from fires by clearing brush and using fire-resistant building materials.

Why Your ZIP Code Matters

When it comes to your insurance premium, your address is one of the most critical factors. Insurers use your ZIP code to assess a wide range of risks, from the likelihood of extreme weather to local crime rates and your home’s distance from the nearest fire hydrant. This is why rates can vary so dramatically from one city to the next—the average premium in Los Angeles is hundreds of dollars more than in San Jose. An insurer’s decision to offer you a policy is based on a detailed calculation of your home’s specific Replacement Cost and its vulnerability to local risks, making your search incredibly location-dependent.

What Does a Homeowners Policy Actually Cover?

Figuring out homeowners insurance can feel like learning a new language. Between the different types of coverage, the exclusions, and the fine print, it’s easy to get overwhelmed. But understanding what your policy does—and doesn’t—cover is one of the most important things you can do to protect your home and your finances. A standard policy isn't a catch-all safety net, especially here in California where we face unique risks like wildfires and earthquakes.

Think of your policy as a contract that outlines exactly when your insurance company will step in to help. It protects your house, your stuff, and even you, if someone gets hurt on your property. But the details matter. Let’s break down what’s typically included in a standard policy, what extra coverage you’ll likely need in California, how the money side of it works, and some common myths that can leave homeowners unprotected.

The Basics: What Every Policy Includes

At its core, a standard homeowners insurance policy is a package deal with a few key parts. First is dwelling coverage, which protects the physical structure of your house—the walls, the roof, and everything attached to it. If a fire or a covered storm damages your home, this is the part of the policy that pays to repair or rebuild it.

Next is personal property coverage, which covers your belongings. Think furniture, clothes, electronics, and kitchen gadgets. If your stuff is stolen or destroyed in a covered event, this helps you replace it. Finally, there’s liability protection. This is crucial coverage that protects you financially if a visitor is injured at your home and you’re found legally responsible for their medical bills or other damages.

Extra Coverage You Might Need in California

A standard policy leaves some major gaps, and in California, these gaps are big enough to drive a truck through. The two most significant exclusions are damage from earthquakes and floods. To be covered for these events, you will need to buy separate policies. You can get earthquake insurance from a private company or the California Earthquake Authority. Flood insurance is typically purchased through the National Flood Insurance Program or a private insurer.

While standard policies do cover fire, getting coverage in a high-wildfire-risk area has become incredibly difficult. Many insurers are pulling back, but taking steps to make your home more fire-resistant can sometimes help you secure a policy or even earn a discount.

How Limits and Deductibles Work

Every policy has coverage limits, which are the maximum amounts your insurer will pay for a claim. It’s critical to ensure your dwelling limit is high enough to completely rebuild your home, not just what it would sell for today.

Your policy also has a deductible, which is the amount you have to pay out of pocket before your insurance coverage kicks in. For example, if you have a $2,000 deductible and a storm causes $10,000 in damage, you’ll pay the first $2,000, and your insurer will cover the remaining $8,000. Choosing a higher deductible will usually lower your annual premium, but make sure you choose an amount you can comfortably afford to pay on short notice.

Common Myths About Home Insurance

One of the most dangerous myths is that a standard policy covers all natural disasters. As we’ve covered, earthquakes and floods are almost always excluded. Another common misconception is that all of your personal belongings are fully protected. Most policies have specific, lower limits for high-value items like jewelry, art, and collectibles. If you own expensive items, you’ll likely need to purchase extra coverage, called a rider or floater, to insure them for their full value. Creating a home inventory is a great first step to figuring out if you need this.

Where to Find an Insurance Company That Will Cover You

Finding a company willing to write a new policy in California can feel like searching for a needle in a haystack. The good news is that coverage is still available, but you might need to adjust your search strategy. Instead of calling company after company only to be turned away, you can take a more targeted approach. By starting with a clear view of the market and knowing where to look, you can save yourself time and a whole lot of frustration.

Start Your Search with CovFind

Before you spend hours on the phone or filling out online forms, your first step should be to see which companies are even an option for you. That’s where we come in. CovFind gives you a clear, up-to-date list of insurers actively writing policies in your specific ZIP code. This simple step cuts through the noise and instantly tells you where to focus your energy. Instead of guessing, you get a targeted list of potential insurers, which is a much better starting point than a generic web search. It’s the fastest way to understand the insurance landscape right in your neighborhood.

Checking with the Big Names

You’ve probably heard that some of the largest national insurers, like Allstate and State Farm, have paused or limited writing new home policies in California. While this is true, it doesn’t mean all major carriers have left the state. Companies like Amica, Chubb, and USAA are often highlighted as some of the best homeowners insurance companies still operating in California, though their availability can vary. It’s worth checking with these larger providers, but be prepared that they may be more selective, especially in areas with higher wildfire risk. Don’t get discouraged if a few of the big names say no; they are just one piece of the puzzle.

Don't Overlook Local Insurers

While the headlines focus on national companies pulling back, many smaller, regional insurers are still open for business. In fact, there are approximately 115 insurance companies that continue to write residential policies across California. These local and regional carriers often have a deeper understanding of specific communities and may be more flexible in their underwriting. They might not have the same brand recognition as the giants, but they are a critical part of the market for California homeowners. Broadening your search to include these companies dramatically increases your chances of finding a policy that fits your needs.

How to Vet an Insurer's Financial Health

Once you have a list of potential insurers, it’s time to do a little homework. A low price is tempting, but it won’t mean much if the company can’t afford to pay your claim after a disaster. You need an insurer with strong financial stability. You can check a company’s financial strength rating through independent agencies like AM Best or look at customer satisfaction scores from sources like J.D. Power. Balancing a good price with solid coverage and a company that is financially sound is the key to making a smart decision that protects your home for the long haul.

How to Lower Your Home Insurance Bill

Feeling sticker shock from your home insurance quote? You’re not alone. While California’s insurance market is tough, you have more control over your premium than you might think. A few strategic moves can make a real difference in your annual bill. It’s all about showing insurers that you’re a lower-risk homeowner. Let's walk through some of the most effective ways to lower your costs without sacrificing the coverage you need.

Bundle Your Home and Auto Policies

This is one of the easiest and most common ways to save. Insurance companies love loyal customers, and they reward them for buying multiple policies. When you bundle your home and auto insurance with the same provider, you can often get a significant discount on both. If your policies are currently with different companies, get quotes for bundling them together. The savings can be substantial, and it also simplifies your life by having one point of contact for your insurance needs. Just make sure the combined price is actually lower than what you’re paying for separate policies.

Make Your Home Safer

Insurers see a safer home as a less risky home, and they’ll often reward you for it with lower premiums. Installing protective devices shows that you’re proactive about preventing losses. Think about adding or upgrading features like smoke detectors, a central burglar alarm, or even water leak detectors. These are relatively small investments that can protect your family and your property while also earning you a nice discount on your insurance. When you get a quote, be sure to mention all the safety features your home has—don’t assume the insurer already knows.

Ask About These Discounts

Don't wait for your insurance company to offer you discounts—you often have to ask for them. Insurers have a long list of potential savings that you might qualify for without even realizing it. Are you retired? Have you been with the company for several years? Do you have a claims-free history? In California, many companies even offer reductions for making your home safer from wildfires. Call your agent or a company representative and ask them to review your policy for every possible discount. It’s your money, and a few questions could save you hundreds.

Home Features That Can Lower Your Rate

Beyond alarm systems, other features of your home can impact your rate. Insurers look favorably on homes that are well-maintained and built with resilient materials. For example, a newer roof is less likely to leak or suffer wind damage. Updated electrical and plumbing systems reduce the risk of fire and water damage. Even simple things like having deadbolt locks on all exterior doors can make a difference. If you’ve made recent upgrades to your home, let your insurer know. These improvements can signal that your property is a lower risk to cover, potentially leading to a lower premium.

Raise Your Deductible (Carefully)

Your deductible is the amount you pay out of pocket on a claim before your insurance coverage begins. If you’re willing to take on a bit more of the initial risk, your insurer will usually lower your premium. For example, increasing your deductible from $1,000 to $2,500 can lead to noticeable savings. But this strategy comes with a big caveat: you must be able to comfortably afford your deductible. Set it to an amount you could pay tomorrow without financial strain. A low premium isn’t worth it if you can’t afford to use your insurance when you need it most.

What to Do If You Live in a High-Risk Area

Getting a non-renewal notice or seeing your premium skyrocket because you live in an area deemed "high-risk" can feel incredibly discouraging. It’s easy to assume that you’re out of options and that no one is willing to cover your home. But before you resign yourself to a last-resort plan, it’s important to understand the full landscape of what’s available.

Even in high-risk zones, you have more agency than you might think. From making your property more resilient to understanding specialized insurance products, there are concrete steps you can take. It’s about shifting your strategy from simply shopping for a standard policy to actively managing your home’s risk profile and exploring every possible avenue for coverage. This means looking into specific protections for California’s unique challenges, knowing the backup plans, and realizing that the market, while tough, isn’t entirely closed off.

Protecting Your Home from Wildfires

Taking steps to make your home more wildfire-resistant isn't just a smart safety measure—it can also save you money. California law requires insurance companies to give you discounts if you take proven steps to mitigate wildfire risk. This process, often called "home hardening," includes actions like clearing flammable brush from around your property, installing fire-resistant roofing, and covering vents with fine mesh to keep embers out. You can start by getting a clear picture of your property's specific vulnerabilities and then create a plan to address them. Many resources are available online to help you check your home's wildfire risk and identify the most impactful improvements.

Do You Need Earthquake Insurance?

Here’s a critical fact every California homeowner should know: your standard homeowners policy does not cover damage from an earthquake. This is a common and often costly misunderstanding. If you want protection from shakes, you need to buy a separate earthquake insurance policy. You can typically get this coverage in one of two ways: as a standalone policy from a private insurance company or through the California Earthquake Authority (CEA), a publicly managed provider. Given the state’s seismic activity, this is an essential coverage option to consider, not just an afterthought. Assess your home’s structural vulnerabilities and your financial ability to rebuild to decide if it’s right for you.

The FAIR Plan: Your Last-Resort Option

If you've tried every avenue and still can't find a company to insure your home, there is a safety net available. The California FAIR Plan is a last-resort option that provides basic fire coverage when you can’t get it in the traditional market. However, it’s crucial to understand its limitations. The FAIR Plan only covers damage from fire, lightning, smoke, and internal explosions. It does not cover risks like theft, water damage, or liability. To get that broader protection, you’ll need to purchase a separate "difference in conditions" (DIC) policy from a private insurer to wrap around the FAIR Plan policy.

Exploring Other Insurance Markets

It’s easy to get the impression that every insurer has packed up and left California, but that’s not the full picture. While some major carriers have pulled back, many others are still actively writing policies. According to the California Senate, approximately 115 insurance companies continue to operate in the state. The challenge isn’t that there are no options; it’s that finding them has become much more difficult. Your best bet is to cast a wide net and look beyond the handful of household names. This is where knowing exactly which companies are writing policies in your specific ZIP code becomes a powerful advantage in your search.

How Much Home Insurance Do You Really Need?

Figuring out the right amount of home insurance can feel like a shot in the dark. It’s tempting to just pick a number that satisfies your mortgage lender, but the right policy does so much more—it protects your biggest asset and your financial stability. Getting it right means you won’t be left underinsured after a disaster, but you also won’t be overpaying for coverage you don’t need. It’s a balancing act, but it’s more straightforward than you might think.

To land on the right numbers, you need to look at your home and life from four different angles. First, how much would it cost to completely rebuild your house from the ground up? Second, what’s the total value of everything inside it, from your sofa to your silverware? Third, what kind of financial protection do you need if someone gets hurt on your property? And finally, where would you live—and how would you pay for it—if a fire or other disaster made your home uninhabitable for a while? Answering these four questions will give you a clear picture of the coverage you truly need to feel secure.

Calculate Your Home's Replacement Cost

This is the most important number in your policy, and it’s also the most misunderstood. Your home’s replacement cost is not its market value or the price you paid for it. Instead, it’s the estimated cost to rebuild your home exactly as it was, using today’s prices for labor and materials. Think about it: the real estate market can swing wildly, but the cost of lumber, roofing, and skilled labor has its own separate economy.

To get a solid estimate, you can use an online calculator from an insurance provider or talk to an agent. For the most accurate figure, consider hiring a professional appraiser. Insuring for replacement cost ensures you’ll have enough funds to actually rebuild your home after a total loss.

Take Inventory of Your Belongings

Your policy doesn't just cover the structure of your house; it also protects your personal belongings. Most standard policies cover your possessions for about 50% to 70% of your dwelling coverage. But is that enough? The best way to find out is to create a home inventory. Walk through your home with your phone, taking videos and photos of everything you own, from furniture and electronics to clothes and kitchenware. Make a list and estimate the value of each item.

Pay special attention to high-value items like jewelry, art, or collectibles. A standard policy might only reimburse a fraction of their worth due to coverage limits. If you own items that exceed these limits, you’ll want to add a scheduled personal property endorsement to insure them for their full appraised value.

Figure Out Your Liability Needs

Liability coverage is your financial shield if someone is injured on your property and you’re found legally responsible. Imagine a delivery person slips on your porch steps or a guest’s child gets hurt in your backyard. This coverage helps pay for their medical bills and your legal fees if they decide to sue. Most homeowners policies include a baseline of $100,000 to $300,000 in liability protection.

However, you should consider coverage that’s at least equal to your total net worth. If your assets (including savings, investments, and home equity) exceed the standard limit, it’s wise to increase your liability coverage or purchase a separate umbrella policy. It’s an affordable way to add an extra layer of protection for your financial future.

Plan for Living Expenses After a Disaster

If a wildfire or major storm forces you out of your home, where will you go? This is where Additional Living Expenses (ALE) coverage comes in. Often called "loss of use" coverage, it pays for the extra costs you incur while your home is being repaired. This includes expenses like staying in a hotel or a rental home, restaurant meals if you can’t access your kitchen, and even laundry services.

Check your policy to see how your ALE is calculated—it’s typically set at a percentage of your dwelling coverage, like 20% or 30%. Given how long rebuilding can take in California, make sure this amount is enough to cover your family’s expenses for an extended period without draining your savings.

Helpful Tools for Your Insurance Search

Finding the right homeowners insurance in California can feel like a full-time job, but you don’t have to go it alone. Think of this as your personal toolkit—a collection of resources designed to make your search simpler and more effective. By combining online research with expert advice and official state resources, you can get a complete picture of your options. These tools will help you compare costs, verify an insurer’s reliability, and get personalized guidance when you need it. Instead of feeling overwhelmed by the process, you can use these resources to move forward with clarity and confidence, knowing you’ve explored every avenue to find the best possible coverage for your home. Each tool serves a different purpose, so using them together will give you the most comprehensive view of the current insurance landscape.

Use Online Tools to Compare Quotes

The single best way to make sure you’re not overpaying for insurance is to compare quotes from multiple companies. This is the only way to get a true sense of the market and what a fair price looks like for your specific home and location. As the experts at NerdWallet advise, you should always compare quotes from several different insurance companies to find the best rate for your needs. Online comparison tools can streamline this process, pulling multiple quotes at once. This step isn’t just about finding the lowest price; it’s about understanding the range of coverage options available to you and establishing a baseline for what you should expect to pay.

Check State and Local Resources

When the market gets tough, it’s good to know you have official resources on your side. The California Department of Insurance (CDI) is your go-to for unbiased information and consumer protection. This state agency provides guides, helps you verify an insurer's license, and can assist if you need to file a complaint. If you have trouble finding insurance or need help with a specific issue, don’t hesitate to contact the California Department of Insurance. They are there to serve the public and can offer a level of support and information that you won’t find anywhere else.

Look Up Insurer Ratings

A low price is tempting, but it means nothing if the company can’t handle its claims when disaster strikes. As one Bankrate article wisely notes, "A cheap policy isn't helpful if the company can't pay claims." Before you commit to an insurer, you need to check its financial health. Independent agencies like AM Best, Moody's, and S&P Global Ratings evaluate insurance companies and assign them a financial strength rating. Look for companies with a rating of 'A-' or higher, as this indicates a strong ability to pay out claims, even after a major catastrophe. This simple step can save you from a huge headache down the road.

When to Talk to an Insurance Agent

While online tools are powerful, sometimes you just need to talk to a real person. An independent insurance agent can be an invaluable resource, especially if your property is in a high-risk area or you have unique coverage needs. A good agent can help you "find the right balance between cost and coverage for your specific needs," as they often have access to insurers and policies that aren't always visible on major comparison websites. They work for you, not the insurance company, and can offer personalized advice, explain complex policy details, and advocate on your behalf to find the best possible fit.

How to Choose the Right Policy

Once you have a few quotes in hand, the real work begins. Choosing the right policy isn’t just about finding the lowest price; it’s about finding the best protection for your home and your peace of mind. Here’s how to break it down and pick a policy with confidence.

Compare Your Quotes Side-by-Side

It’s tempting to just grab the cheapest option, but you need to look closer. As experts advise, you should always compare quotes from several different insurance companies to find the best rates and coverage. Lay your quotes out and compare the key details: the monthly premium, the deductible, and the coverage limits for your dwelling, personal property, and liability. A slightly higher premium might be worth it if it comes with a lower deductible or significantly better coverage that could save you thousands down the road.

Read the Fine Print (Seriously)

The cheapest policy is worthless if the company can’t pay when you file a claim. It’s important to balance a low price with good coverage and a company that has strong customer service and financial stability. Before you commit, take a few minutes to look up the insurer’s financial strength rating from an agency like AM Best. Also, read customer reviews to see how the company handles claims. You’re buying a promise, so make sure the company behind it has a solid track record of keeping its word.

Common Red Flags to Avoid

Don't assume that everything is covered under your home insurance policy. Most standard policies have specific exclusions, and in California, this is a big deal. For example, damage from natural disasters like earthquakes and floods usually isn't covered and requires a separate policy. Read the exclusions section carefully. Look for other things that might not be covered, like mold, sewer backups, or damage from pests. Knowing what’s left out is just as important as knowing what’s included, as it helps you identify any gaps you may need to fill with extra coverage.

Review Your Policy Before You Sign

Before you sign on the dotted line, do one last review of the policy documents. Make sure your name, address, and all other personal details are correct. Double-check that the coverage amounts match what you discussed with the agent. Pay special attention to any special limits. For instance, a standard home insurance policy offers limited coverage for business property. If you work from home, you might need an add-on to properly insure your equipment. If anything seems unclear or incorrect, ask for clarification now. It's much easier to fix a mistake before the policy is active.

Know the Rules: Insurance Requirements

Before you dive into comparing policies, it’s helpful to understand the baseline requirements for homeowners insurance in California. While it might seem like just another bill to pay, your policy is a critical financial safety net. Knowing who requires coverage and why will help you make smarter decisions as you shop for a plan that fits your needs and your budget. It’s not just about checking a box; it’s about protecting one of your biggest assets.

California's Minimum Requirements

Here’s something that might surprise you: it’s not illegal to go without homeowners insurance in California. The state government doesn’t actually mandate that you carry a policy. However, that doesn’t mean you can just skip it. For the vast majority of homeowners, the real requirement comes from a different source. As Mercury Insurance notes, while the state doesn't force your hand, most mortgage lenders do. So, if you have a loan on your home, you’ll almost certainly need to have a policy in place to satisfy your lender, even if the law doesn't require it.

What Your Mortgage Lender Expects

If you’re financing your home, your lender has a major financial stake in the property until your loan is paid off. To protect that investment, they need to know the house is covered against disasters like fires or major storms. This is why, as GEICO explains, mortgage lenders usually make you have it. Your lender will typically require you to have enough coverage to at least rebuild the home if it’s destroyed. They’ll ask for proof of insurance before you close on the loan and will expect you to maintain coverage for the life of the mortgage.

Get Your Paperwork in Order

To make your insurance search as smooth as possible, it helps to have all your information ready to go. When you’re ready to apply for a policy, insurers will ask for details about your home, like its age, square footage, construction materials, and the year the roof was last updated. You’ll also need your personal information handy. Being prepared means you can get a fast, free quote online without having to stop and dig through old files. This simple step saves you time and helps you get the most accurate quotes from different providers.

Why You Should Review Your Policy Yearly

Home insurance isn’t a "set it and forget it" purchase, especially in a market as dynamic as California’s. Rates, coverage options, and your own needs can change from one year to the next. That’s why it’s so important to review your policy annually. A yearly check-in ensures your coverage still aligns with your home’s value and your belongings. More importantly, it’s an opportunity to save money. You should always compare quotes from several different insurance companies to find the best rate for your needs. You might find that a different insurer can offer you the same or better coverage for a lower price.

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• CA Insurance Cancellations 2025: A Homeowner's Guide
• Which Insurance Companies Are Still In California?

Frequently Asked Questions

My insurance premium skyrocketed, or my policy was canceled. Why is this happening? This is an incredibly common and frustrating situation right now. It’s not personal—it’s a reflection of major shifts in the California insurance market. Many large insurers have reduced their presence in the state due to increased wildfire risks and rising rebuilding costs. This means fewer companies are competing for your business, which often leads to higher prices and stricter standards for who they’re willing to cover.

What’s the difference between my home’s market value and its replacement cost? This is one of the most important distinctions to understand. Market value is what someone would pay to buy your house and land today. Replacement cost is the money it would take to rebuild your house from scratch using current labor and material prices. You should always insure your home for its replacement cost, not its market value, to ensure you have enough funds to actually rebuild after a total loss.

If I live in a high-risk area, is the FAIR Plan my only option? Not necessarily. While the FAIR Plan is an important safety net, it should be your last resort. Many smaller and regional insurance companies are still writing policies across the state, even in areas the big national brands have left. The key is to broaden your search beyond the household names. Using a tool that shows you exactly which insurers are active in your ZIP code is the most effective way to find these options before turning to the FAIR Plan.

Besides bundling, what are some less obvious ways to lower my insurance bill? Making your home safer from wildfires can lead to significant discounts that insurers are required by law to provide. This includes clearing brush and installing fire-resistant vents and roofing. You should also call your insurer and ask for a full discount review. You might qualify for savings based on your claims history, your age, or even for having updated plumbing and electrical systems.

My policy says it covers fire damage, so why is wildfire risk making it so hard to get insured? You're right, a standard policy does cover damage from a fire. The problem isn't the coverage itself, but the risk of a fire happening. Insurers use sophisticated models to predict the likelihood of a wildfire in your specific area. If they determine your home's risk is too high, they may decide not to offer you a policy in the first place, even though fire is a covered event.