Home insurance went from $990 to $2400 in 2 years, with a max deductible (I think $5000, but could be $10,000), and no contents covered, so just house replacement, and I was just notified last week that the house is a bit under-insured, but we declined to adjust it this year, will relook at it next year.

Prices are too high making it difficult to own a home. Only option is the ca fair plan which is supposed to be a last resort

I have a new insurer. When I moved 1.4 miles down the road (from rescue to shingle springs) AAA cancelled my policy and woudl not insure my new home.

What rights do we have about home owners insurance getting cancelled for no reason other than they deemed it too risky? I live in a neighborhood in El Dorado Hills and my insurance company asked me to take photos and document my defensible space. My home is fully landscaped meeting all defensible space requirements.

As much as all of us fixed income homeowners do to try to protect our homes....I think PG&E, the federal agencies as well as the local government agencies should do more to keep our communities safe.

It is important to clarify if the owners of mobile home parks in El Dorado County (unincorporated areas as well as the cities of Placerville and South Lake Tahoe) are included under any new vegetation management ordinances. I tried to find this out for myself, but never got a response back. I am currently watering the hillside the slopes down in front of my mobile, but there are ladder fuels there that I cannot remove because I don't own the land.

I live in CP CSD who has a weed abatement ordinance. Unfortunately, even after many requests to the CSD, the requirements of the ordinance have not been applied to my neighbor's property. If (more like "when") this property lights up, my/all my neighbors' homes home will be toast due to the overgrowth from this property. It is frustrating to take appropriate measure for my own property but not be able to protect my property from an adjacent property owner's derelict attitude. I've never sued anyone in my entire life, but I (and my other neighbors) have instructed my family that if we should perish in such a fire, to sue the CSD because we have been trying to get them to act for >15 years.

Hearing from many in the community that they are having problems ensuring their homes.

I own two homes near Lake Tahoe and one got the coverage cancelled and the other did not and they are right next to each other so I am thinking that I was with the insurer on the one that did not get cancelled for over 25 years and on the other for about 6 years so maybe that is why one got cancelled. Both are on small lots that we keep quite clean and with good defensible space ... so says Cal Fire who sends us notices when they do inspections. ..... Bob

It is increasing difficult to find insurance and the premiums have been raised significantly. I was dropped by one insurance two years ago (no missed/late payments, no claims, just live in "fire area" AKA Lake Tahoe) and notified recently by the new company (with higher costs than the first) that they will not renew next year due to "living in a fire area". Insurance is required for my home loan, not to mention my piece of mind as my home is my largest investment. I have heard similar stories from many others all over California. Insurance companies calculate risks and charge accordingly, insuring they make a profit- which is fine, now it appears they are only covering homes/areas with little to no risk, ensuring themselves a profit while abandoning homeowners who have diligently paid them for years. What is the government doing to regulate these companies and their practices???

Had to purchase a separate home owners insurance for fire so have 2 policies. Also built new construction with fire sprinklers and Hardy siding.

The increased cost of homeowners insurance or the inability to obtain it have hit people hard who are trying to buy or sell a house in El Dorado County. We have very good defensible space around our home, but it doesn't seem to matter to the insurance companies.

CalFire and other inspectors with jurisdiction need to issue citations with financial penalties. These fines need to be aggressively collected to fund forest management and fire prevention activities. El Dorado Co needs to abide all the access provisions of the state fire code, e.g. NO PARKING IN CUL-DE-SACS. Our Sheriff needs to stop acting as a welcome wagon of vacation home renters and fine the immediately for violations.

It seems there is an undue amount of hysteria about defensible space. Residence in the County have done their part through the years. The Santa Rosa fire destruction had nothing to do with defensible space. Many, many of the homes that were completely destroyed had mostly concrete around them, adobe siding, swimming pools, and tile or slate roofing. The hyped up "Defensible Space" campaign is silly and a bit over-the-top. Let's not now prey on the public's fear of fire by implying the past fires had anything to do with a lack of defensible space. The implication is that if those who lost their homes in these fires had had defensible space, their homes would now be standing is simply wrong. Further, it is rather pathetic to prey on the public's fear by citing our recent fire history.

I think it would be good to do deals per neighborhood. Say Tree cutting will be in x neighborhood this week sign up. Or gutter cleaning for $XX this week in this neighborhood. Sign up. Creates momentum and efficiency, saves time and costs. I know quite a few people losing or not getting insurance or whose rates are up. Problem for my friends has been trees in neighboring lots owned by CTC, County or vacate lots whose branches are close to our friends homes.

The high cost of or absence of homeowners insurance has had a significant negative impact on home values!

Cal State AAA did not renew my homeowners policy on my home in Somerset. Renewal premium quotes were 4x higher than my previous years premium ie cost went from $2500:yr to $10,000/year. What can be done??

My insurance has gone up to over $6,500 a year. Shocking and I have a grave concern about another increase next year. This is driving me from my home.

Coordinated outreach from the appropriate impartial, expert consumer agencies is needed ASAP. It has been very alarming to see that most of our residents do not know where or how to seek our accurate information. Increased transparency and uniform risk modeling standards need to be applied across the Insurance industry that takes into consideration a) individual homeowner fire mitigation efforts (i.e. vegetation management and home hardening), local certification programs (i.e. Boulder Colorado's Wildfire Partners Program, Fire Wise, etc.) c) neighborhood mitigation programs (i.e. Firewise Communities, etc), and d) regional fire mitigation activities at the local and state levels (i.e. CalFIRE firebreak projects, increased County hazardous vegetation inspections, etc.)

I have been weedeating to provide defensible space but it is taking me a really long time because I work full-time. I can't afford to have someone do it as my home insurance has gone up so much. I am looking at moving out of California.

We need to reopen Station #18 on the corner of Sly Park Rd and Sierra Springs Drive. If this does not happen soon we will not be able to afford to live here! The community is suffering as homeowners are moving out of the area because of the outrageous cost of home fire insurance; the county is suffering because of the drop in home value and the loss of the tax base; and, the businesses are suffering as their clients are forced to move out of the area. Paying $300 to 500 a month for insurance is unsustainable.

Homeowners need to understand the connection between forest health/defensible space and home insurance. I hear too many of my neighbors criticizing well planned forest health measures while other neighbors are having their home insurance canceled.

General publication of insurance rates applicable to homes in an area would inform the owners as to what is happening in the market place. This data is not readily available to the consumer.

There needs to be enforcement of defensible space laws. Many second home owners don’t seem to care.

Insurance rates are too high for many homeowners. It is going to be difficult to buy or sell property and that will leave many of us stranded in a home we can no longer afford. If my rates increase I will not be able to make my mortgage payments and will likely end up being foreclosed. Or bankrupt.

We had to find a new carrier, and also purchase the Fair Plan. Collectively, our homeowners insurance tripled from what it was previously. The increase in our annual premium was a shock. We are fortunate that we can afford it; but, it does create a burden. We are saddened for others less fortunate who may not be able to afford insurance for their homes and property.

It doesn't matter how much I clear my property when the neighborhood yards are so overgrown. Vacation home owners need to also be held accountable or face fines.

Enforce the ordinance and make home /landowners accountable.

Insurance companies should not be able to just drop you. I have been with the same company for 30 years. We have defensable space. 15, 000 gallons of water, two fire pumps and 1500 feet of hose. Not to mention we have a hydrant on the property. My brother and I have extensive fire department experience and believe we are in a very good position to defend out homes. The insurance companies do not even look to see how you are doing with property fire defense. I have no issue with insurance companies setting standards that a homeowner needs to meet to get fire insurance, but to just deny coverage is wrong

As a single senior with a mortage payment I appreciate making sure that options for affordable home insurance are available. Some assistance with defensible space would be nice - after helping the liwest income folks 1st. I'm on lower edge middle income.

Concerns would include: * property owners who do not live or do not have a house on their property, and CHOOSE not to clear their property. It puts all of the other property owners at a higher risk. * fixed income folks have to allow for outrageous homeowner insurance costs. In our case, the rates went up 5x, and apparently, if we're even covered next year, it should go up another 300%. * due to the exceptionally high insurance rates, we may be unable to sell the home we can no longer afford. Do we have to walk away? * We are long time homeowners in El Dorado County (30 years) and thought this would be our forever home. We've raised our children here, and although my husband has retired, I am a teacher in our schools, and we have successfully created a productive life. We are devastated.

I’d like to have advisement for what needs to be done to make my home safe and be in compliance with defensible space

We are also looking at measures that we can take to "harden" our home. We are also installing a fire hydrant with one of our neighbors.

We built a log home in 2012 so we meet latest defensible space requirements

what can I do about my neighbor creating fire hazards and encroaching on my defensible space? I keep complaining to the property management company because it is a rental and they have done nothing for several years. I am very upset about this. My wife's family lost 10 homes in Paradise.

Disabled and retired. Fair plan only alternative. Triple the price. Can’t sell home because folks can’t get insurance

Two separate carriers have cancelled our home owners insurance in the past two years.

I am one of the few lucky ones that got renewed. There has to be something done to help the people in EDC who are getting dropped and forced to pay exuberant amounts for poor coverage. I have seen buying and selling power decrease and I believe it will severely impact our local economy, to the point of foreclosure and short sale on homes. A lot of people here are in fixed incomes and can’t afford a $500 a month increase to their Mortgage. Pollock Pines, Georgetown, Grizzly Flats, Somerset are all no longer affordable for first time home buyers and for normal Blue collar families to raise their children. Something has to be done!!

Greatly appreciate our City Garbage Collectors that pick up bags of Pine Needles, Pine Cones and Brush keeping our home clean and free from Brush around our home living area. Greatly appreciated.

I feel that my home is 80% prepped to the defensible space rules, but need to find a professional to come have a look and tell me what more, if anything, needs to be done. We have not put forth 100% effort in finding this inspector, but our cursory search has come up empty except for representatives from tree-trimming companies offering their services ... which we suspect will be biased opinions. Surely there is a County or Cal Fire representative somewhere.

Fred Ott with State Farm is still insuring our home.... thank goodness.....

This is a huge issue for current and future homeowners. Property values will go to zero if people can’t insure their homes at reasonable rates.

I have done all of the defensible space requirements and the insurance company cancelled me anyway. The California unfair plan was my only option. Insurance tripled which is a difficult pill to swallow. It will drive us our of our homes.

Homeowners in my neighborhood (about 80%are second homes with high short term rental turnaround) choose to ignore TRPA and NTFPD regulations regarding defensible space, particularly tree/crown density, annual maintenance, and posted high fire danger no burn bans. As a full time resident I am deeply concerned about the lack of cooperation from lackadaisical home owners. If I owned an insurance company I’d cut my losses and drop these people too - like a hot ember.

Options for protecting our home and communities that are affordable. It's criminal the amount of money we are expected to come up with and then the jump in mortgage payment is a hardship. At the end of the day, is it helpful? Are we addressing the issued and protecting our land or just scraping the pockets of those of us who keep this town alive and full if love. I have lived her 40 years, andit saddens me that others that have as well or longer are at risk of losing their homes because they can't afford the insurance. Homes are, allot of times, all an individual has, in terms of investment. It's unfair how the hardworking citizens keep getting affected.

Met Life has been a good company - much more affordable than the local options. One must really do the homework to ensure you're not being talked into more insurance than you really need. Agents "may" try to use scare tactics to get you to buy too much coverage - that which you would never be paid out because your home is not worth that much. Be careful and do your homework.

All properties in the city of South Lake Tahoe, including single family homes, should be required to remove pine needles and pine cones once a year. Today single family homes are exempt.

Looking at buying. There's no clear information on fire insurance. That's a big deal for home sales and renter's.

It is a frustrating position that homeowners are in due to the recent fires and PG & E negligent condition of their equipment. Each year when you see the tree companies come out and trim only a few inches off the tree so that the branch does not touch any part of the wire and then come back the next year and do it all over again. Seems like they want to insure they have a job each year to trim and not remove the tree. I have to remove and clear trees to keep my home safe. We have also designed a sprinkler system that is placed on our roof in case of fire. We have used it once for a fire that was miles away, and the embers were falling on our property. We are on a well and would have to start a generator if PG & E were to turn off the power. Not being able to insure your home will cause a huge housing issue, with people walking away from their home because of the high cost or unable to sell their home. We have just been renewed for our homeowners insurance for this year.

There needs to be greater enforcement of defensible space standards, especially empty homes.

I think that properties should be monitored and not properly cleared to be fire safe, the property owner should be notified to bring it up to standard or it will be cleared at the home owner’s expense and a lien will be placed on the property. This should be done annually. Often a property is at risk due to a neighboring property not being maintained.

I haven't had my insurance canceled at this home but I did at my previous home. Allstate dropped us after having us as customers for almost 18 years. I purchased my current home in 2018. I had to shop A LOT before finding my policy with Farmers Insurance. The quotes I got from the California Fair Plan were over $3000 (1600 sq ft house on 1.5 acres in Grizzly Flats). I was thankful to find my policy with Farmers and hoping they continue to cover me!

Many insurance companies appear to be using Google Earth to decide if defensible space is in place. Unfortunate, depending on the satellite view, it can look as though a home is covered in trees even though you can stand outside and see completely clear sky for 30+ feet. I have had to take ground level pictures to argue my point with insurance companies in the past.

Why doesn't someone figure out how to make Fire Insurance a pooled resource like flood insurance? We subsidize flood insurance on homes in every state wouldn't a pool of Western States or Wild Fire Zones help to spread the risk for companies offering insurance in California

From speaking to other residents, if you are not renewed, the alternative is an extremely expensive policy through the State. We've done most of the work to make our home defensible. However, insurance companies don't recognize that you can have a small "cluster" of trees with touching canopies, as long as that cluster is separated by other trees by a minimum of 10 feet. This is a burden and requires cutting down too many of our beautiful trees.

We need help from somewhere. We need help getting insurance rates stabilized. We need help prepping our homes. We need help.

vacant lots, conservancy lots (next to residences, 2nd homes, and VHRs), sometimes are not maintained creating a possible fire hazard. This could affect the renewal of insurance, so should there not be a requirement for an annual cleanup?

Not sure why our neighborhood is considered “high fire zone” when the Angora fire ripped through 12 years ago and burnt down our home including all the living, mature trees in my vicinity.

Dangerous tree removal too expensive to drop fire score. Need some form of federal/state/local grant program to thin neighborhoods or no one will be able to afford to buy homes in El Dorado county.

So unfair that we are penalized by huge premium increases when we have done everything asked of us. I fear we may not be able to afford to stay in our home as we retire.

We opted to sell our home in Swansboro due to the astronomical increase in insurance rates. We were dropped twice in the last 2 years despite meeting defensible space requirements and insurance rate nearly tripled.