Current Fire insurance Rates in California

[Benjamin Giles]

I am currently looking at a property in Central California near Sequoia national park. Can anyone give me definitive info on what you are CURRENTLY paying for insurance on your short term or long term rental property in areas that have been affected by the wildfires?

[Ladd Brunner]

We're north of you between Yosemite and Tahoe and have been affected by the wildfires over the years. Six years ago we could get a SFH homeowner policy for $650/year. Now we have to go with a wrap around policy through the CA Fair Plan. We're at $2,600 for a 1,550sf SFH. Interestingly enough, we pay $3,200 for coverage on our 4-plex next door (don't need Fair Plan).