If you own or are buying a home in Santa Barbara, Montecito, or another wildfire‑prone area, you already know that finding enough fire insurance can be a challenge.
The California FAIR Plan generally caps fire coverage at $3 million, leaving many high‑value homes underinsured.
A New Excess Fire Program Is Here
We now have access to a new Excess Fire Insurance program that can provide up to $10 million in additional fire coverage (subject to underwriting) on top of the $3 million available through the FAIR Plan.
Why Homeowners Are Excited
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Higher Coverage Limits
Protect the full value of your home, not just a portion of it. -
Competitive Rates
This program is currently offering some of the best pricing we’ve seen in the excess fire market. -
Fast Turnaround
Quotes are coming back quickly – ideal if you’re in escrow or up against a renewal deadline.
Who Should Consider This?
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Homeowners with high‑value properties in wildfire‑risk areas
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Buyers purchasing a home where standard coverage isn’t enough
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Anyone who’s been told their coverage limit is capped too low
Ready to Learn More?
Our team is happy to:
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Walk you through how the coverage works
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Share sample quotes
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Help you secure the protection your home needs
Contact us anytime for details or to get started.
– The Baxter Insurance Team (Tim, Dan, Chris)
Email- for questions about this program or call our office at 805-963-4048
