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Home Insurance and fires??

Posts: 41
Premium Member
Topic starter
Eminent Member
Joined: 6 months ago

Question for the group. Fire insurance… is it a problem or a challenge to get or maintain?

I ask because in the mountains in California, where the Summer has turned into Fire season (Fall, Winter, Spring, and Fire) many homeowners have found their home insurance rates either quadrupled or their insurance cancelled entirely. It has led to people having to scramble for new insurers, sell, and/ or otherwise have a great deal of stress about their homes during what is already a difficult time…

We are currently traveling in the Algarve and have noticed (maybe?) some fire scars and some articles talk about fires etc… Especially in the hills around Monchique and Loule.

thoughts/opinions/ expertise?  All welcome.

Thanks, Gene


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3 Replies

Posts: 184
Community Member
Estimable Member
Joined: 3 months ago

Hi I was quite surprised to hear that it doesn’t affect insurance costs. I think the chap at #winsurance said something about this at their last presentation to the forum, somebody might remember?


Posts: 1867
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Joined: 13 years ago

Myself, and a number of my friends, got hit by the fires of 2017. None of us has faced increased premiums above the usual increases for inflation.

1 Reply
Premium Member
Joined: 6 months ago

Eminent Member
Posts: 41

@old-bloke so sorry to hear that you were affected. But also glad to hear that the rates didn’t change. Thank you…



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