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Homeowner's Insurance in High Risk Areas

  • For the California Insurance Commissioner’s Top Ten Tips for Finding Residential Insurance, click Here.  Use the Home Insurance Finder tool to locate agents/brokers in your immediate vicinity and beyond, or click here to access the Residential Insurance Company Contact List for a list of insurers that provide homeowners insurance.
  • To see if your home is in a high risk area ckick here
  • Look Here for insurance companies that offer discounts for fire-hardened homes 
  • Ask your insurance agent or broker if they can obtain coverage in the "surplus lines" market.
  • If you are unable to find an agent who can insure you, the California FAIR Plan is available to every homeowner as a last resort
  • If you feel that your insurance nonrenewal was unfair, file a complaint with the CDI.


For further assistance, the California Department of Insurance can be contacted at: 1-800-927-4357.