Marin County homeowners face a challenging insurance market — wildfire risk zones, carrier exits, and some of the highest property values in California.
If you own a home in San Rafael or anywhere in Marin County, you've probably noticed that home insurance has gotten more complicated and more expensive in recent years. Here's what's driving that — and what your options are.
Several major insurers have reduced or stopped writing new homeowners policies in California due to wildfire risk and the cost of recent fire losses. This has left many California homeowners — particularly in fire-prone areas like Marin County — scrambling for coverage.
This is exactly where an independent broker becomes more valuable than ever. We know which carriers are still actively writing in Marin County and which ones aren't, saving you time calling companies that have already pulled back.
The California Department of Forestry and Fire Protection (CAL FIRE) designates fire hazard severity zones. Much of Marin County — particularly in the hills around San Rafael, Fairfax, Mill Valley, and Novato — falls into High or Very High fire hazard severity zones. This designation directly affects your insurance premium and which carriers will write your property.
If your property is in a high fire hazard area, you may have been non-renewed by your current carrier. Options include:
Our San Rafael office at 9 Vivian St serves all of Marin County. We work with carriers that are still active in California's challenging market and can help you find coverage for your Marin County property. Open Saturday 10am–3pm. Call 209-670-1556 or walk in.
Ready to get covered? Via Rapida serves Stockton, San Jose, and San Rafael with bilingual agents and no broker fees on standard policies.
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