[quote=gn][quote=DataAgent]”Does anybody know if it’s possible to get fire insurance in this neighborhood?”
When I looked at buying a house on Birch Bluff in 2007, I asked my State Farm guy the same question. He said as long the house didn’t back up to open brush land, he could write me pretty much a standard homeowners policy. If we buy a house that backs up to open brush land, it would “cost me.” And the was before the October 2007 fires. Didn’t matter anyway because my wife insisted we buy a house close to Mission Bay.
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DataAgent, thanks for the information on fire insurance. So, would the following property be considered backing “up to open brush land” ?
My new house has roads on two sides and a neighbor on the third side (triangular lot). More houses across the street in front, a horse ranch across the street in the back. 1000 feet to the nearest patch of undeveloped land, 1.5 miles to the edge of true “open brush land” (Lake Hodges basin).
According to the insurance agent, most companies refused to write insurance policies on the house, because of a fire hazard. The only one that cooperated was Travelers. I paid 1280/year (~3100 sf, insured at $175/sf, $2500 deductible).
