High Fire Danger Area Home

Did you experience a non-renewal on your home insurance policy due to being in a high fire danger area? Or, is your home insurance premium doubling for the same reason?

If so, contact us to learn about Berkshire Hathaway's incredible homeowner's insurance policy that will cover your home that is located in a high fire danger area.

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We work with the best insurance company for covering homes in high fire danger areas…
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Get the Best High Fire Danger Area Home Insurance Policy

Check out our chart of hire fire danger areas in California clicking here.

A+ "Superior" Rated by AM Best

tickThe Berkshire Hathaway Guard High Fire Danger Home Insurance policy at Old Harbor Insurance is one of the top rated high fire danger home insurance policies on the market today.

AA "Stable" Rated by Standard and Poor

tickAn A+ rating is "Assigned to companies that have a superior ability to meet their ongoing insurance obligations. Berkshire Hathaway is one of THE best positioned insurance providers.

$120B+ in Cash/Cash Equivalents

tickIf a catastrophic disaster hits, our Berkshire Hathaway High Fire Danger Home Insurance policy will have no issue paying for complete reconstruction of your home to give you peace of mind.

Many discounts are also available. Click here to see the available discounts. Review the Berkshire Hathaway Policy Ratings by clicking here and here.

Contact us to get the best high fire danger home insurance policy for your family home!

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Berkshire Hathaway High Fire Danger Home Insurance Policy

Our high fire danger home insurance policy is backed by the most ethical and stable insurance carrier in the world, Berkshire Hathaway Guard. When it comes to protecting your home, there is no other choice.
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Able to Cover High Fire Danger Areas

Many companies are leaving California and areas that they’ve deemed high risk. Berkshire’s underwriting, with Ajit Jain at its head, is the best in the world. They’ve confidently released this home insurance product in California , Texas, and a handful of additional states. They are anxious to seize the select opportunities being forfeited by the competition. Click here for more information.

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Able to Cover Short Term Rental Properties

We’re blown away at how the home sharing community has blossomed over the last decade, and we are proud to be able to offer a comprehensive insurance solution that allows that community to be appropriately protected and continue to thrive.

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Flexible Dog Breed Acceptance

Most carriers have extensive lists of dogs breeds they won’t accept. It’s so common we wrote an article highlighting the breed ! However, Berkshire has simplified it. They don’t accept pit bulls, rottweilers, or wolves.

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No Size Limit on
Your House

Due to reinsurance contract limitations, most home insurers cannot insure properties with replacement costs over $1.5 Million. There’s no shortage of these homes throughout the West, and Berkshire is aiming to address the need.

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Service Line Protection is Available

Service line coverage has emerged as one of the "must have" enhancements to a home insurance policy. This endorsement provides coverage for damage to utility lines connecting to your home such as electrical power, heating, waste disposal, and water.

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Admitted Insurance Company

Our short-term rental insurance providers are the best in the business. Liability lines up to $1,000,000/$2,000,000 in commercial general liability with increased liability limits available.

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Personal Injury Protection is Available

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Many home businesses are accepted.

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Many Deductibles to Choose From

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Old Harbor Insurance Services offers the best high fire danger insurance policy on the market.

High Fire Danger Home Insurance Discounts


New Home Purchase Discount


Smart Home Discounts


Automatic Gas Shut Off Discount


Business Owner Discount


Self-Inspection Discount


Sprinkler Discount

If you are insuring a home in a high fire danger area, consider these tips:


Make certain that you are working with an independent agent.


Clear and maintain 150 feet of defensible space from ANY and ALL brush. Also, make sure that trees that hang over your roof are trimmed AND cleared.


Ensure all gutters are cleared and install gutter guards.