El Cajon Home Insurance Near Brush & Wildfire Areas

Throughout El Cajon, California in San Diego, there are several canyon areas in which homes are susceptible to brush fires. So you may be wondering, how do I get low cost homeowners insurance, even if I’m in a high brush risk area of El Cajon? It may not feel like it, but you have options!

When you live in a wildfire risk area in El Cajon we’ll always check first with our standard insurance companies to see if you can get you a regular homeowners insurance policy, but sometimes that’s not an option. 

This is when we’ll look into getting you a CA Fair Plan policy which will cover you in the event of a wildfire.

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As a broker we’ll price this with up to 30 carriers to get you the absolute best price.

California Fair Plan policies are usually accompanied by a companion Difference in Conditions (DIC) policy. The DIC policy will cover your home for the rest of the usual perils (Liability, Theft, Sudden and Accidental Discharge of Water, etc). The two policies together make a comprehensive homeowners insurance policy.

If no insurance carrier will offer your home coverage because of wildfire/brush risk or you’re being asked to pay $5,000+ for your policy it’s time to speak to a wildfire insurance expert at Your Good Insurance Agency.

Fill out the form or call into the office to speak with one of our experts today. We’re specialized at getting you the best rate possible when you live in a high brush zone or wildfire risk area in El Cajon.

We always make sure we get you every discount we can for El Cajon Discount home insurance 92109, 92020, 92021, 92022 and more. Call Your Good Insurance at 800-889-9242 for more detailed information.

California Fair Plan Policy (DP1) + Difference in Condition policy (DIC) = complete homeowners insurance policy

The following are some of the discounts we can add to your discount your homeowners’ insurance policy: El Cajon Homeowners Associations, El Cajon Fire Alarms, El Cajon Gated Communities, El Cajon Retirement Communities and El Cajon New Home Purchase

El Cajon Fire Department
Heartland Fire Rescue – El Cajon
100 East Lexington Ave
El Cajon, Ca 92020
(619) 441-1601

El Cajon Neighborhoods
Chateau Du Val, Tierra Greens, El Cajon Senior Towers, Town Plaza Communities, Bradley Park West, Fletcher Hills, Granite Hills Park, El Cajon Gardens, Ridgewood Court, Sunshine Gardens, Lincoln Estates, Villa Grande, McClure Manor, Merritt Manor, The Villas, Las Palmas, Park Royale, Villa Capri, Shady Terrace, Villas of Washington and more.

Most Recent San Diego County Fires

On October 14, 2010 the Juliet Fire at Camp Pendleton burned more than 4,000 acres and forced thousands of residents to be evacuated from their San Diego homes. Mandatory evacuations included neighborhoods on the east end of Sleeping Indian including Camino Baja Cerro, Hidden Valley, Indian Trail and Wilshire. San Diego officials utilized a reverse 911 telephone system to notify threatened areas. While no homes were burned, the fire was a reminder of how quickly a fire can spread and important brush fire insurance is for San Diego families.