STR insurance ... in a wildfire risk area

[Sean Bramble]

I'm searching in a CA market that has very high wildfire risk - spoke to Proper and they said they do not insure there. How are others STRing in high fire risk areas insuring? I imagine it's more of an a la carte strategy where you acquire homeowners, fire, and business liability separately? I'm new to the insurance side of STRs, fire risk, and California generally, so would love any ideas/ advice you can share about how it works out there!