Home Insurance Recommendation?

I’ve had my homeowner’s insurance for decades and always paid promptly. I made no insurance claims whatsoever during any fires. But my home insurer is now cancelling me, basically for being in a fire-risk area, even though no homes in my neighborhood had any smoke or fire damage during the Thomas fire.

Can you recommend any insurers who will provide reasonable coverage?

What do you think?


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  1. I have friends up north who also had their insurance canceled, and all their neighbors. It may have been just the fire part, I really don’t know. However, their 1st option was only Lloyds of London; I think they took a few but then realized what the risk was. So then Lloyds refused so the State has to cover, at 2xs the rate.

  2. We have never made a claim, have Farmers. Our agent Dave here in Carpinteria told me that the morning of the debris flow he didn’t even know it happened until a client called saying she didn’t have flood insurance and what should she do since her home was wrecked. Dave notified the main office at 9am. At 9:30a they called back and said any clients in the debris flow were covered because it was actually caused by the recent Thomas Fire, hence, covered by fire insurance. I thought that was very cool. Have no idea what goes on with them now as far as fire insurance goes.

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