Abram Interstate Insurance Services, Inc., CMGA

Helping Independent Insurance Agents Since 1996

What’s driving Homeowners Losses & What to Do About It | Homeowners Insurance Product Highlight

Published on March 12, 2018

For most people, their home is the biggest purchase they’re ever going to make. 

With the recent fires causing such destruction, it has us all thinking about how important our homes are. For most of us, it’s more than “just a house” — it’s the place where life unfolds. That’s why insuring it with the proper coverage is essential, and that’s on our minds more now than maybe ever before.


wholesale homeowners insurance dwelling fire Abram Interstate CA

What Your Insurance Customers Can Do About It:

  1. Create/Maintain Clearance — Defensible space is the most important factor in protecting your property from wildfire.
  2. Tree Removal — Remove any dead or dying trees, any trees within 10-15 of the property, and maintain proper tree spacing
  3. Laddering — Remove any branches on trees up to at a minimum clearance of 10’ from the ground
  4. Propane Tanks — Remove all vegetation around or overhanging your propane tank. Ensure emergency shut off value is easily accessible and functional.
  5. Address Property Condition — Help show underwriters why your property is worth insuring, general poor upkeeping will preclude your home, while proper upkeep will improve likelihood of acceptability and continued coverage
  6. Roof Upkeep— Ensure quality condition and replace with fire resistant material
  7. Vents — Close or block vents where possible to prevent flying embers from entry
  8. Access — Ensure wide entry for fire trucks to easily access your property
  9. Active Maintenance — Higher protection classes will have annual inspections. Continued proactive risk mitigation is essential

To download a pdf flyer with the above info on it to pass on to your customers, click HERE

Homeowners & Dwelling Fire Insurance Product Highlights:

  • Products for main street homes as well as High Value Dwellings
  • Coverage limits available from $50,000 to $50 million *subject to policy form
  • Extended replacement cost available for HO3 policy forms *some restrictions may apply
  • Deductibles starting at $1,000 for main street homes
  • Wood roofs acceptable with proper updates and treatment
  • LLC’s and Trusts acceptable as named insured
  • Vacation rentals can include premises liability and contents


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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