
We could see smoke from a recent nearby fire in our backyard. Note the teeny fire plane toward the top of the photo.
We live in fire country, and maybe it has always been this way, a little. But now “fire season” has officially entered my vocabulary as the fifth season of the year. It ushers itself in, sometimes as early as May, and can linger through November, maybe even into early December, if the rains take a long time to arrive
I grew up in this area and knew that fires were a possibility when I was young, but not like this. There was a string of fires near my home back in the 1970s, but they were minor and eventually authorities figured out that they were started by a local firefighter who needed work.
Also, my parents never seemed to worry about their homeowners insurance or how much it would go up every year, something that regularly concerns me. They never thought that their fire insurance might suddenly be canceled, which has happened to many homeowners in our area. This, perhaps, is my biggest homeowner fear of all. I see folks flocking to our local community Facebook pages to ask if anyone has information about insurance companies that might possibly write them new policies. Many of them end up on the California FAIR Plan, which “provides basic fire insurance coverage for high-risk properties when traditional insurance companies will not.” The FAIR Plan website itself admits that it is “an insurer of last resort.”
My homeowners insurance recently renewed for another year. I am eternally grateful that my insurance company, State Farm, has continued to insure my home, even though it is in a wildfire prone area. It was luck, basically, that my mom worked in a State Farm office before she married my dad and was loyal to the company throughout her life. This meant that my sister and I used State Farm as well, since we almost always did what my mom recommended when it came to adulting types of things—like car insurance and, eventually, homeowners insurance, too. What if she had worked at a different insurance company before marriage? Almost every other insurance company in our area started canceling all their homeowners policies years ago. Continue Reading…







