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What you need to know about wildfire insurance in California

Updated Feb 02, 2023
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Owning a home in California is a dream come true for many people, especially if you love the beach and endless sunshine. But if you’re a homeowner in the Golden State, it’s important to understand the serious risk of wildfires. In 2021, there were 8,619 wildfires in California that burned almost 2.6 million acres. No matter where you live in California, having wildfire insurance to protect your home can be imperative.

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Insurance Disclosure, LLC is a licensed insurance producer (NPN: 19966249). services are only available in states where it is licensed. may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

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What causes California wildfires?

According to the National Park Service, roughly 85% of wildfires in the U.S. are caused by humans. The most common causes for wildfires include the following:

  • Burning debris
  • Carelessly discarded cigarettes
  • Equipment malfunctions
  • Intentional arson
  • Unattended campfires

In addition to human causes, lightning bolts have the potential to ignite wildfires if they last for an unusual period of time. Especially during the 2020 California wildfires, dry lightning strikes were a leading cause for the record-breaking burns. The state’s hot, dry climate only added fuel to the 14,000 dry lightning strikes that sparked flame after flame in 2020.

Some areas of California have a higher risk of wildfires than others, which can make it more difficult to find affordable home insurance. For example, if you live in Los Angeles County, Riverside County, Napa County or Yolo Country, you can expect to pay a much higher rate for home insurance on average, as these areas are more prone to wildfires.

When you apply for a home insurance policy, insurers charge for coverage according to the level of risk they assume by taking you on as a policyholder. Because of this, some insurance carriers will charge higher premiums, increase deductibles, cap payouts, or deny coverage altogether for homes in high-risk regions.

Does home insurance cover wildfires?

Most standard homeowners insurance policies will cover fire damage, including from wildfires. There are many different coverage types that can help policyholders afford the cost of repairing or replacing their homes, or replacing personal property.

Dwelling coverage

Dwelling coverage pays for the cost of rebuilding or replacing the physical structure of your home and any other structures attached to it after a wildfire event, including decking or attached garages. Because rebuilding your home after a wildfire can be very expensive, it’s important that you have enough dwelling insurance. The cost of rebuilding a house in California depends on the area. For example, the average build cost in Fresno — a city that is susceptible to wildfires — is $290,000.

Other structures coverage

Just like dwelling coverage, other structures coverage provides financial support for the cost to rebuild or replace unattached structures on your property affected by wildfires, including sheds, detached garages, fencing and pool houses. If you have multiple detached structures on your property, make sure to purchase enough coverage to rebuild them in the event of a wildfire. Your dwelling policy usually does not extend coverage to detached structures.

Personal property coverage

Personal property coverage pays to repair or replace your personal items that get damaged in a wildfire. It applies to most things you own, including appliances, clothing, furniture and electronics. When choosing personal property coverage limits, it’s a good idea to survey your personal items to make sure you have sufficient coverage limits. Even if a wildfire does not burn everything inside your home, most items need to be replaced due to smoke damage.

Loss-of-use coverage

This coverage is also referred to as additional living expenses and covers the cost of hotel stays, meals and other expenses related to being unable to live in your home due to a wildfire. If you live in California, having loss of use coverage can be critical. If a wildfire destroys your home, you would need to live somewhere else while your house is being rebuilt. Loss of use policy limits are usually tied to the amount of dwelling insurance you have, but the policy limits can usually be raised.

Does condo insurance cover wildfires?

In most cases, condo insurance policies will cover wildfire damage caused to the interior walls of your living space. The exterior of the condo should be covered by your homeowners association’s master policy. Each condo insurance policy has different coverage options available that can help policyholders afford the cost to replace, repair, or rebuild personal property damaged in a wildfire event.

Interior walls coverage

Depending on the type of master policy your HOA has in place, coverage may be provided for specific items inside your condo if they get damaged in a wildfire. An “all-in” master policy provides coverage for things like appliances, carpets, electrical and plumbing while a “bare walls” policy, nothing inside the unit’s walls will be covered. With interior walls coverage, you will likely be able to use your policy to pay for the cost to repair or replace damaged items within the walls of your condo that would not be covered through the HOA master policy.

Personal property coverage

Just like with a homeowners insurance policy, personal property coverage allows condo owners to recover the cost for replacing personal items like electronics, furniture, appliances and jewelry if they get damaged in a wildfire. Your HOA’s master policy will not cover your personal property, even if it is an all-in policy or the wildfire destroys the entire building.

Additional living expenses coverage

As with homeowners insurance, this option covers any expenses incurred as a result of being displaced from your condo due to a wildfire event. Expenses like hotel stays, restaurant bills, pet boarding and laundry services can all be covered by your insurance provider if you have elected additional living expenses coverage. Californians who have been asked to evacuate can submit a claim, even if the wildfire never reaches their condo.

How do you get insurance in common wildfire areas?

As mentioned, some insurers may deny coverage or discontinue coverage for homeowners living in high-risk areas for wildfires. This is especially common in certain areas of California, such as Los Angeles, San Diego, and Sacramento. If this happens, there are a few routes that homeowners can take to obtain coverage.

The FAIR Plan

The Fair Access to Insurance Requirements (FAIR) Plan is a state-mandated program that offers access to insurance products for individuals living in high-risk properties, such as those in wildfire-prone areas of California. State residents can apply for the plan if they own property in California and meet certain building requirements.

While the FAIR Plan provides coverage solutions for high-risk homes, residents can only qualify if they’ve thoroughly exhausted the options available through the voluntary market and been denied coverage. Not only are FAIR Plans more expensive, but they offer fewer coverage options and lower policy limits. For instance, the California FAIR Plan does not currently offer personal property or replacement cost dwelling coverages. Additionally, the plan will not cover:

  • Houses with existing damage that have no repair plans
  • Long-term vacant or unoccupied homes
  • Properties used for federally illicit means

Surplus or excess line carrier

In addition to the California FAIR Plan, residents may be able to obtain homeowners insurance through a surplus or excess line carrier, like PURE Insurance or Markel. These insurers provide coverage for homes that carriers through the standard marketplace won’t take on as clients. Surplus lines do not abide by the same state regulations that standard carriers do, making them more expensive than the average homeowners insurance policy.

Premier carrier

If your home is situated in a high-risk wildfire area in California and you’ve been dropped by your standard provider, you might be able to find coverage through a more expensive premier carrier. The following outlines a couple of the more popular premier carriers and their average annual premiums, gathered from Quadrant Information Services, as well as their benefits and eligibility requirements for California residents:

Insurance company Average annual premium cost for $250,000 dwelling coverage Coverages Eligibility requirements
Chubb $1,801
Additional living expenses
Personal liability
Personal property replacement cost coverage
Extended replacement cost coverage
Home value must be more than $250k
Must be a California resident
Pure $3,400
Dwelling coverage
Personal property coverage
Liability coverage
Medical Payments coverage
Loss-of-use coverage
Replace, rebuild, or cash settlement
Guaranteed replacement cost coverage
Loss prevention benefit
Only for high-net-worth individuals
Must be a California resident

How to help prevent wildfire damage

California homeowners can take some steps to prevent wildfire damage in their homes. The following homeowners checklist illustrates the points of top concern that residents should address during the wildfire season:

By taking the time to prepare your home’s interior and exterior features before the wildfire season, you can reduce your risk for incurring damage and submitting a claim to your insurance provider.

Frequently asked questions

Written by
Carly Severino
Insurance Contributor

Carly Severino is a contributing insurance writer for Bankrate. With experience writing for, and, she has covered a broad range of insurance products.

Edited by Insurance Editor