Fire Insurance in Santa Ana, CA

Standard home insurance and business property policies typically include coverage for fire damage. However, rising wildfire costs can make it more challenging for property owners to obtain suitable coverage.

California FAIR Plan Coverage

Standalone fire insurance can help provide crucial coverage for Californians with a second home, or for homeowners in high-risk areas who can’t get standard homeowners coverage. The FAIR Plan is a state-sponsored program designed to help provide property insurance coverage. It can be combined with other policies to help bridge gaps.

FAIR Plan coverage may not provide the same coverage as a standard home insurance policy, such as liability, specific types of water damage and theft.

What Does Fire Insurance Cover?

Fire insurance policies are designed to help you rebuild and recover after a fire. Coverage included with homeowners and business policies typically includes:

• Repair or replacement of your home, business or rental property if damaged by fire.
• Replacement of personal belongings, inventory or equipment lost to fire.

Homeowners insurance also includes additional living expenses coverage, which can help reimburse you for hotel stays, rent and food if you must temporarily relocate to allow for covered repairs.

Policy details vary, so it’s crucial to work with a knowledgeable agent to tailor coverage and understand any limitations.

How Royal Tax Service Can Help

Our team will explain your options, answer your questions and help you choose fire insurance coverage that fits your property.

Contact us today to discuss your fire insurance options with Royal Tax Service.