My insurance renews in January so there may be repercussions in the next renewal cycle. Also the defensible space and county requirements have cost us over $8000.00 so far and I still need the 100' separation from neighbors who have not complied. Cheers... keep up the pressure on Sacramento for insurance reform. Earthquake insurance fund may need to be broadened to include other disaster items. California Fair Plan and earthquake insurance have two cost sinks with two administrative structures. Maybe combination would be a good use of the budget "surplus"?

I applied (in April) for brush removal service through the senior program through the Firesafe council in my area, Garden Valley. I have not heard back. It makes it hard to plan for the work to be done when I have no idea when or if I will be getting assistance.

Our annual premium went from ~$800 to ~$4,100 after we lost fire coverage from our insurer and had to go with the California Fair Plan.

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.

One of the biggest issues is: I've spent thousands of dollars and invested lots of time in clearing my property (and it still needs more work), but many of my neighbors either don't care or they're elderly/sick and can't do the clearing themselves. As a County, we need more needs-based programs to help the truly indigent/elderly/infirm and more enforcement for those who are able to do the work, but just don't care. We had TWO homeowners insurance companies cancel on us in the past 3 years and are now with the CA Fair Plan; there should also be more education about the Fair Plan's availability and better cost.

State insurance commissioner assures everyone he can find insurance for them, but the only thing we were able to find was the Fair Plan... which was about $1000 more than the $3500 a year we payed the prior year... Two years ago we only payed about $850 a year.

Had to accept the California Fair Plan with a wrap around policy from AAA. Now paying three times what we paid for many years!

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 would be great to have some resources for insurance needs with good and consistent information. I have heard many different stories and it seems to depend on which individual broker the information came from. I have heard that there are companies that may rate you depending on individual circumstances (distance to fire station, access to hydrants, etc.). I live in Garden Park(in Garden Valley) with two fire stations within a couple of miles from my house and a hydrant at the end of my driveway. I have not been able to find a company (other than the Fair Plan) that will insure my property, but have heard rumors that other people have found companies that will insure based on different factors. It would be great to have a place to get all of the correct information in one place. People have to largely rely on the experience of neighbors and word of mouth when (not if) the cancellation notice comes in the mail.

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

Can we think about a group plan for our community?

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.

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!

Absolutely terrifying to think we may lose our house because insurance is too expensive for us to get, if we can even get it, and can’t sell because no one can get insurance. CA Fair Plan is even too expensive for us and doesn’t have great coverage. I’ve looked to 20 different companies to see if we could get insurance in case we don’t get renewed and we can’t. The only thing we can get is the expensive CA Fair Plan that we can’t afford. I’m going to end up losing my house.

I know this issue is affecting thousands of people, probably more. I was with my insurance carrier for 31 years. Now no one will insure me. My rate used to be lower than most because I am within 1,000 feet of a fire hydrant and less than 3 miles from the fire station. That means nothing now. I have contacted at least 20 insurance companies or insurance agencies and still nothing. Will have to go with the "FAIR" plan. Being retired and on a fixed income, this is a huge strain. On top of that, I couldn't sell my house if I wanted to because no one is willing to pay these outrageous prices.

Why not get rid of the middle man, California Fair is hardly fair. California counts on a state of emergency so they can get the Federal Dollars anyway. I propose a USA Fair Plan...... Don't get me started on California missmanagement of our forests and creating the perfect fuel source for these massive fires. Lets sell some timber before ot falls naturally and rots on the forest floor.

If the city would stop trying to impoverish seniors that want to just maintain their property by forcing them to spend a fortune updating site plans hiring expensive professionals and paying a ton for site visits just to cut trees we'd have less worries about fires And falling trees..but NO..they are too greedy and just want to bleed us .. And the money we pay for stupid is not well spent..water pressure water quality,drain service snow removal,,(and placement across my driveway)is a failure.period