Not sure what your question is but I will provide some generic information:

• Do you know what zone 0 is. Look it up if you are unaware They seem like crazy requirements. Much of the county is zone zero. Currently in San Diego county, including every incorporated city I am aware of, the jurisdiction is leaving it to insurance company to enforce. I recently had a demand from the insurance agency for a new roof (not zone 0). I said roof was 2 years old. I provided documentation including pictures and they retracted their demand.

• there are many locations where fire insurance is via CA Fair plan. This is not cheap.

• There are consistently less insurance providers in San Diego county.

• Insurance brokers can be worth using or at a minimum seeing if they can beat what you found.

• I personally think the insurance problem will get worse before it gets better.

Hopefully this is the type that of information you sought.

Good luck

Agent here. I write apartment buildings in LA, so treat this as general California guidance rather than San Diego specific placement.

If the property is tenant occupied, you want a landlord policy (a dwelling fire form for one to four units, or a commercial property policy at five units and up), not a homeowners policy. Homeowners forms get restricted or contested once the home is a rental, and lenders tend to catch it eventually.

Four things worth checking on whatever quote you get:

1. Replacement cost, not actual cash value. Actual cash value depreciates the roof and the structure, and that is where most of the ugly claim surprises come from.

2. Loss of rents, sometimes called fair rental value. Make sure the limit reflects 12 months at today's market rent.

3. Ordinance and law coverage, parts A, B and C. Older housing rarely rebuilds to current code on the base dwelling limit alone.

4. The water deductible. Carriers increasingly apply a separate, higher deductible to water damage, and water is the most common claim on older buildings.

On the FAIR Plan point above: if you land there, it is fire and a short list of perils only, so you need a difference in conditions or companion policy alongside it to pick up liability, water, theft and loss of rents. The FAIR Plan's 29.1% rate increase takes effect October 15, so shopping before that date is better than after.

Start 45 to 60 days ahead of your effective date. In this market the second and third quotes often come back very differently from the first.