The short answer
Wildfire falls under the standard fire peril and is covered on all US home policies. The bigger issue is availability — CA, OR, CO, NV insurers are non-renewing in high-risk ZIP codes, forcing homeowners onto the state FAIR Plan plus a Difference in Conditions wraparound.
Frequently asked
- What is the CA FAIR Plan?
- A state-mandated insurer of last resort covering basic fire only, up to $3M dwelling. Pair with a DIC policy for liability and theft.
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