California Home Insurance

[Mike Wynn]

I'm facing challenges with my home insurance for my Airbnb property near a national park in California. My current insurer is refusing to renew my policy due to fire hazards in the area. After contacting four insurance agents, I've been consistently told that I need to purchase two separate policies: one for standard coverage and another for liability.

The only option presented to me is the California Fair Plan, which offers limited coverage. I also reached out to Proper Insurance, but they informed me that they can't offer their standard policy due to the elevated fire risk at my property. They can only provide a general liability-only policy through Lloyd's, which doesn't cover the physical structure or contents.

If anyone knows of a good insurance provider that offers comprehensive coverage, including protection for the structure itself, I would greatly appreciate your recommendations. Thank you for your help!