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Bold fire protection for LA properties

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Rebuild Support

Coverage that accounts for rebuilding costs

Temporary Housing

Living expenses during rebuilding

Debris Removal

Coverage for fire debris cleanup

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Talk to a licensed agent at LA Fire Coverage Insurance: (877) 411-5200

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About LA Fire Coverage Insurance

At LA Fire Coverage Insurance, we believe quality coverage shouldn’t break the bank. We work with high-risk area property owners across Los Angeles fire zones to find the sweet spot between comprehensive protection and affordable premiums. Smart coverage, honest prices — that’s our promise.

California Insurance License #OB75129

LA Fire Coverage Insurance | CA License #OB75129

825 South Barrington Avenue, Suite 200, Los Angeles, CA 90049

(877) 411-5200 | Mon–Fri, 9:00 AM – 5:00 PM PST

Frequently Asked Questions

Does homeowners insurance cover wildfire in Los Angeles?

Fire, including wildfire, is a core covered peril on standard homeowners policies. The challenge in LA's brush and hillside areas is availability — some carriers restrict new policies in high-risk zones, which is where the California FAIR Plan comes in as fallback coverage.

What is the California FAIR Plan?

The FAIR Plan is California's insurer of last resort for fire coverage — available when traditional carriers decline a property. It covers fire, lightning, smoke, and internal explosion, and it's usually paired with a separate wrap policy for liability, theft, and water damage.

What is a DIC (difference-in-conditions) policy?

A DIC policy wraps around a FAIR Plan policy and fills the gaps — liability, theft, water damage, and additional living expenses. Together the two roughly reconstruct what a standard homeowners policy provides. Pricing both pieces together is essential to compare fairly.

How do I keep insurance in a high fire-risk area?

Home hardening (ember-resistant vents, Class A roof, defensible space) makes your home more insurable and can earn discounts. Beyond that, an agent who knows which carriers are still writing in your zone — and how to structure FAIR Plan plus DIC when needed — makes the difference. Call (877) 411-5200.

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