The Edgar Ortiz Agency
The Edgar Ortiz Agency

    661-270-3200

    High Fire Zone Home Insurance in California

    High Fire Zone Home Insurance in CaliforniaHigh Fire Zone Home Insurance in CaliforniaHigh Fire Zone Home Insurance in California

     Escrow-ready coverage with same-day to 24-hour turnaround (when possible). Serving the entire State of California

    Learn More

    661-270-3200

    High Fire Zone Home Insurance in California

    High Fire Zone Home Insurance in CaliforniaHigh Fire Zone Home Insurance in CaliforniaHigh Fire Zone Home Insurance in California

     Escrow-ready coverage with same-day to 24-hour turnaround (when possible). Serving the entire State of California

    Learn More

    Buying a home in a High Fire Zone can make insurance stressful, expensive, and hard to place—especially when escrow deadlines are tight.
    We help new homeowners across California secure the right home insurance solution quickly, and we make it easy to bundle auto, earthquake, and more once the home is protected. 

    Find out more

    Who We Help

    New Homebuyers

    High Fire & Hard-to-Place Homes

    Realtors / Lenders / Escrow

    We help you secure the coverage you need to close escrow—fast.

    Realtors / Lenders / Escrow

    High Fire & Hard-to-Place Homes

    Realtors / Lenders / Escrow

    Quick turnaround, accurate documentation, and responsive communication.

    High Fire & Hard-to-Place Homes

    High Fire & Hard-to-Place Homes

    High Fire & Hard-to-Place Homes

     Same-day to 24-hour turnaround available for many homebuyers, realtors, lenders, and escrow teams—especially when time matters most. 

    Need Coverage Fast? Here's What We Need

    Property Address

    Close of Escrow Date

    Close of Escrow Date

    Close of Escrow Date

    Close of Escrow Date

    Close of Escrow Date

    Photos

    Close of Escrow Date

    Lender Info

    Lender Info

    Close of Escrow Date

    Lender Info

    How we Help

    ✅ Fast Insurance Options for High Fire Areas

    If your home is located in a brush area, foothills, rural zone, or wildfire-prone community, we can help you explore options such as:

    • Traditional “admitted” home insurance (when available)
    • California FAIR Plan (fire coverage)
    • Companion / wrap policies (liability, theft, water, and more)
    • Higher-limit solutions for unique or higher-value homes

    Our goal: get you insured, get escrow moving, and protect you properly—not just sell a quick policy.

    ⏱️ Same-Day to 24-Hour Turnaround (What We Need From You)

     To quote your home quickly, we typically need: 

    • Property address
    • Closing date / escrow timeframe 
    • Year built + square footage
    • Roof type + approximate roof age (or year replaced)
    • Construction type (stucco, frame, etc.)
    • Occupancy (primary, rental, secondary)
    • Any prior claims in the last 3–5 years (if applicable)
    • Photos (if available): front, back, roof, and yard/brush area

    Tip: If you’re working with a realtor or lender, we can coordinate directly to keep everything smooth.  

    🏡 Why High Fire Zone Home Insurance Gets Delayed (and How We Help)

     In wildfire zones, carriers may require additional underwriting before offering coverage. Delays often happen when:

    • The roof age is unknown or older than expected
    • The property is near heavy brush or has defensible space concerns
    • Prior claims history impacts eligibility 
    • There are unique risks (pool, trampoline, outbuildings, acreage, etc.)
    • The home is vacant during escrow or needs repairs

    We help you identify the issue early, shop the right options, and keep you moving toward closing. 

    🔥 High Fire Zone Insurance Doesn’t Have to Stop Your Escrow

     If you’ve been told:

    • “We can’t insure that address”
    • “You’re in a brush zone”
    • “You need the FAIR Plan”
    • “You were non-renewed or cancelled"
    • “Escrow needs proof ASAP”

    You’re not alone — and you still have options.  Our team specializes in helping California homebuyers get insured in tough areas and meet lender/escrow requirements with confidenc 

    ✅ After Escrow: Bundle & Protect the Whole Household

     Once your home insurance is secured, we can help you save time and simplify everything by bundling:

    • Auto insurance 
    • Earthquake insurance
    • Motorcycle insurance
    • Watercraft / boat insurance
    • Trailer insurance
    • And more

    Bundling often improves convenience, can reduce gaps, and may help lower overall costs depending on your situation. 

    📍 Serving Lancaster, Palmdale & All of California

    •  We’re active throughout the Antelope Valley community and regularly help families and homeowners across the state—including high-risk wildfire areas.
    • We have been to the evacuation zones of many major fires in the last 4 years. Including getting coverage while the threat was imminent.
    • Whether you’re in Lancaster, Palmdale, Quartz Hill, Rosamond, Acton, Agua Dulce, Santa Clarita, or beyond… we can shop coverage statewide.

    Visit Our Office

    Your trusted partner for tailored insurance coverage. Visit us during our convenient hours.

    The Edgar Ortiz Agency

    42505 10th St W Ste 103, Lancaster, CA 93534, USA

    Call us at 661-270-3200 or email at quote@eortizagency.com for trusted insurance solutions.

    Business Hours

    Open today

    09:00 am – 05:00 pm

    Closed for lunch at 1pm


    Closed major holidays

    Reach Out to Us

    This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.

    Cancel
    FacebookInstagram
    FacebookInstagram
    FacebookInstagram
    FacebookInstagram
    FacebookInstagram
    FacebookInstagram
    • Privacy Policy
    • Terms and Conditions

    The Edgar Ortiz Agency

    661-270-3200

    Copyright © 2024 The Edgar Ortiz Agency - All Rights Reserved.

    This website uses cookies.

    We use cookies to analyze website traffic and optimize your website experience. By accepting our use of cookies, your data will be aggregated with all other user data.

    DeclineAccept

    Get Your Insurance Quote

    Get Started