Abram Interstate Insurance Services, Inc., CMGA

Helping Independent Insurance Agents Since 1996

“What Brush?” | Helping Your Customer Understand Homeowners Insurance

Published on January 10, 2017

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California residents that are buying or own property near brush or in wild fire zones may find it difficult to get homeowners insurance.

Californians living in high fire areas are especially aware of the risk if their homes are close to brush. You can help.

While most insurance carriers won’t insure your customer’s property if they’re within 2500 feet of canyons, brush or a wild fire area; Abram Interstate can get you the Wholesale Homeowners Insurance coverage your customers need in some of those brush areas and areas that are Fire Classes 8, 9, and 10.

Help your insurance customer understand what qualifies as brush, why they may have had problems getting insured, or why they may have been canceled from their previous Insurance Carrier with these helpful pieces of information below from Einhorn Insurance:

What is “BRUSH” in Insurance terms?

Brush is any live or dead bushes, shrubs, thicket, trees or other vegetation near your home or property. This brush can potentially light on fire, burn and/or fuel a wildfire.

Vegetation or trees growing in thick bundles (especially low to the ground) are more of a threat as a fire source. Piles of dead yard debris, tree branches, dried grass, etc. can also be considered uncleared brush.

If your customer has a yard full of manicured vegetation, this is not usually a concern unless the greenery is touching the home, roof or hanging within several feet over the roof.

In addition to fire hazardous brush, other variables are taken into consideration when determining if your home is located in a California high brush area.

California High Brush Area Guidelines

  • Topography: Your surrounding terrain and landscape.

  • Wind Patterns: Is your home located in an area where the wind patterns blow a fire toward your property?

  • Distance to the nearest fire station: You may be near a fire station, but if it’s a volunteer fire station, it doesn’t count. You must have your assigned RESPONDING fire station within a certain distance of your property.

  • Distance to a fire hydrant or water supply: It is preferred you are within 1000 feet of a fire hydrant or a large water supply system.

  • Roof type: If you have a wood roof and are located in a high brush area, this can be an issue for most insurance carriers.

  • PPC (Public Protection Classification): This is a rating from 1-10 (10 = very high fire risk).

  • FireLine score: The ISO looks at surrounding fuel or brush, the slope of your home and the ability to access your property at the time of a fire.

Homeowners & Dwelling Fire Insurance Product Highlights:

  • Products for main street homes as well as High Value Dwellings
  • Protection classes 1-10 available *some restrictions may apply
  • Extended replacement cost available for HO3 policy forms
  • Deductibles starting at $1,000 for main street homes
  • LLC’s and Trusts acceptable as named insured
  • Vacation rentals can include premises liability and contents

Chat with us online for eligibility requirements or a brush check.  Flexible Payment Options Now Available.

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Abram Interstate Insurance Services, Inc. is a California wholesale insurance broker (CMGA) that has licensing and expertise to place business in both admitted and non-admitted markets for personal lines insurance and commercial lines insurance in California and surrounding areas.

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