Escondido Home Insurance
Near Brush & Wildfire Areas

Throughout Escondido, California in San Diego, there are several hill and 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 Escondido? It may not feel like it, but you have options!

When you live in a wildfire risk area in Escondido 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 Escondido.

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

Refer to our map to determine if your home may fall into the category of being difficult to insure in Escondido due to its proximity to brush. All the areas highlighted in red are considered high brush zones.

Brush in Escondido refers to dry vegetation, plants, shrubs, trees, and vines which grow on rangeland, canyons, hills or mountains. These areas are susceptible to wildfires. Many insurance companies will not insure homes located in these areas which is when we’ll need to price your home out with CA Fair Plan as mentioned above.

Homeowners Insurance Discounts Available for residents of Escondido

The following are some of the discounts we can add to your discount your homeowners’ insurance policy:

  • Escondido Homeowners Associations
  • Escondido Fire Alarms
  • Escondido Gated Communities
  • Escondido Retirement Communities
  • Escondido New Home Purchase

We have some of the best rates you will see on specialty houses like those with wood shingle roofs, older homes, high value or million dollar homes, homes with previous losses, vacant home and in general any home which is hard to insure. For your specialty insurance situation in Escondido be sure to call Your Good Insurance 800-889-9242 or fill out the form at the top of the page.

Escondido Fire Department 1163 North Centre City Parkway, Escondido, CA 92026 | 760-839-5400 |

Escondido Neighborhoods Canyon Crest, Central Escondido, Country Club, Daley Ranch, East Valley, Eureka Ranch, Jesmond Dene, Midway, North Brook, San Pasqual, and Vineyard.

Serving Escondido zip codes 92025, 92026, 92027, 92029, 92030, 92033, 92046

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.