Serenity Stonebridge Estate Scripps Ranch Home Pricing

[kkun]

My insurance is from Chubb.

[ocrenter]

[quote=kkun]My insurance is from Chubb.[/quote]

x2

[Navydoc]

USAA. Have the cars too.

[plm]

I have Chubb too, just renewed at $2600. Too bad USAA is only for military. I think State Farm provides coverage as well.

[upwardspiral]

State Farm. We pay $1900/yr.

[kkun]

Just wanted to share especially with Stonebridge homeowners who have home insurance from Chubb:

I had insurance from Chubb when I purchased last year. Just received a notice stating that it will NOT be renewed. They site the risk of wild fire due to brush.

Nothing changed from when they did the inspection last year. I don’t understand why they changed their opinion.

Are you seeing such notice?

I am trying to find alternative insurance. No luck still.

On top of that Stonebridge HOA will not let me clean up brush even at my cost. They don’t follow the SD county guideline. Do you know any remedy? If I have it cleaned up at my cost will there be a penalty??

[ocrenter]

[quote=kkun]Just wanted to share especially with Stonebridge homeowners who have home insurance from Chubb:

I had insurance from Chubb when I purchased last year. Just received a notice stating that it will NOT be renewed. They site the risk of wild fire due to brush.

Nothing changed from when they did the inspection last year. I don’t understand why they changed their opinion.

Are you seeing such notice?

I am trying to find alternative insurance. No luck still.

On top of that Stonebridge HOA will not let me clean up brush even at my cost. They don’t follow the SD county guideline. Do you know any remedy? If I have it cleaned up at my cost will there be a penalty??[/quote]

KKun, does the property back up to canyon? Or doesn’t matter? Your insurance broker can’t find you any alternatives? That seems rather strange.

The HOA needs to buy some goats and just have them roam around the parameter of the neighborhood. Allen from Fallbrook can come over with his collection of assault rifles to take care of any coyote getting too close to the HOA goats. Problem solved. 🙂

[kkun]

My house does back up to a canyon. There is some clearance from brush, but not 200 ft or more that most insurance companies are demanding. The fact is all my neighbors have the same clearance as mine. In fact, many Stonebridge homes including the new Toll Brothers and Bellasario homes on the view lots have the same issue.

I am finding it extremely difficult to find alternative insurance now that Chubb decided not to renew. If you have any suggestion, please let me know.

On top, it’s Gnatcatcher season till Aug 15. So no brush can be touched till then (even goats are prohibited). So I am really caught up between brush, Gnatcatcher, HOA, SD City rules and insurance companies. I think Goats are the only way out!

Seriously, it’s not funny. I hope I find some solution soon.

[ocrenter]

[quote=kkun]My house does back up to a canyon. There is some clearance from brush, but not 200 ft or more that most insurance companies are demanding. The fact is all my neighbors have the same clearance as mine. In fact, many Stonebridge homes including the new Toll Brothers and Bellasario homes on the view lots have the same issue.

I am finding it extremely difficult to find alternative insurance now that Chubb decided not to renew. If you have any suggestion, please let me know.

On top, it’s Gnatcatcher season till Aug 15. So no brush can be touched till then (even goats are prohibited). So I am really caught up between brush, Gnatcatcher, HOA, SD City rules and insurance companies. I think Goats are the only way out!

Seriously, it’s not funny. I hope I find some solution soon.[/quote]

we used Fireman’s Fund shortly after the RB fires. They were the only one that offered insurance. Was pricier compared to Chubb unfortunately. perhas your agent can give that a try?

[kkun]

ocrenter,

Thanks for the suggestion- I will ask my agent to try Fireman’s Fund.

One question: You live in Stonebridge, right? Does your home back to a canyon?

Other Stonebridge residents (navydoc, plm, others?): Does your home back to open space? If so, how did you take care of brush for getting insurance?

Thanks for inputs.

[plm]

My house backs up to a canyon as well. Are you referring to the shrubs in the canyon as brush? I don’t know what the rules are but it’s not dead although it will turn brown in the summer. Never did anything with the vegetation in the canyon. I thought the HOA is supposed to take care of that since its not my property.

I just got renewed with Chubb a month ago, no problems. The canyon looks the same now as when I signed up with Chubb three years ago so I don’t think any maintenace is needed.

[kkun]

plm,

Looks like my house is in same situation as yours, but Chubb will not renew it. It may be due to the fact that you have been with Chubb for longer period.

I liked Chubb policy. If only they would have kept it.

[upwardspiral]

I have brush directly behind my rear fence, but it is not open space. The home below mine owns the hill between us and has irrigation sprinklers. Sorry, my situation is a little different.

[ocrenter]

[quote=kkun]ocrenter,

Thanks for the suggestion- I will ask my agent to try Fireman’s Fund.

One question: You live in Stonebridge, right? Does your home back to a canyon?

Other Stonebridge residents (navydoc, plm, others?): Does your home back to open space? If so, how did you take care of brush for getting insurance?

Thanks for inputs.[/quote]

We are not canyon adjacent. I don’t recall the insurance process involved clearing brushes. This should be the HOA’s responsibility.

[plm]

Sorry for the off topic subject but for those owners who are adjacent to a canyon and need a snake fence, definitely pay more and get the green fence shipped in. It’s being installed now, and I can’t even tell it’s there. Standard fence is shiny and reflects the light so you see it and it ruins your expensive view. Green fence is more like a window screen so you don’t see it unless up close.

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