High-Risk & Wildfire Home Insurance in California - Based in Rocklin & San Mateo.
Coverage when others say no — protect your home in wildfire-prone or high-risk zones with FAIR Plan and supplemental insurance tailored for California.
At
Schenone Insurance Agency, we help homeowners who have been dropped, denied, or non-renewed by standard insurers. Whether you live in a brush-heavy canyon or a rural area flagged as high risk, we’ll guide you through FAIR Plan options and help supplement your policy for broader protection and peace of mind.
Why Wildfire & High-Risk Home Insurance Matters in California
California’s wildfire risk is increasing — and more insurers are tightening underwriting or canceling policies altogether. If you've received a non-renewal notice or live in a flagged zone, you're not out of options.
We help you:
- Qualify for FAIR Plan fire insurance if you've been declined
- Add supplemental coverage for theft, liability, and additional perils
- Protect your home’s structure and contents beyond basic fire coverage
- Navigate cancellations, underwriting challenges, and required documentation
What Does High-Risk & Wildfire Insurance Cover?
California FAIR Plan (Core Fire Protection)
Fire insurance for homes that don’t qualify for traditional homeowners coverage — especially in high-risk wildfire zones.
Supplemental Coverage (Dwelling + Contents)
Expands FAIR Plan protection to include theft, liability, water damage, and more — via companion policies.
Liability Coverage
Helps protect you legally if someone is injured on your property or you’re held responsible for damage.
Additional Perils (optional)
Add protection for smoke damage, wind, hail, or other localized risks when available.
Loss of Use / Additional Living Expenses
Covers temporary housing and extra expenses if a covered event forces you out of your home.
Why Choose Schenone Insurance?
- Experts in high-risk and wildfire zone insurance
- Offices in Rocklin & San Mateo — serving all of Northern California
- Independent brokers who shop FAIR Plan + excess carriers
- Help navigating non-renewals, cancellations, and underwriting
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- Responsive service from real, licensed agents — no call centers
Who Needs Wildfire or FAIR Plan Insurance?
You may need specialized wildfire or high-risk coverage if:
- You live in a wildfire-prone or brush-heavy area
- You've received a non-renewal or cancellation letter from your current insurer
- You’ve been declined during underwriting due to location or home condition
- Your property has elevated risk — e.g., older roof, remote access, limited fire response
High-Risk & FAIR Plan Insurance FAQs
What is the California FAIR Plan?
It’s the state’s insurer of last resort for homes that can’t get traditional fire coverage due to wildfire or high-risk location.
Does the FAIR Plan include liability or theft?
No — but we help pair it with companion policies that fill those gaps.
Can I still protect my belongings with this type of policy?
Yes — with supplemental coverage, you can insure contents, appliances, and even loss of use expenses.
Will this protect my rental or vacation property?
Yes — we insure both primary and seasonal homes with wildfire or vacancy risk.
Let's Talk insurance!
Protect Your High-Risk Home with Schenone Insurance
If your home is in a California wildfire zone or you've been dropped by your insurer, don’t settle for partial protection. Schenone Insurance helps you combine FAIR Plan fire insurance with supplemental coverage for complete peace of mind.