Wildfire & Insurance
The question everyone’s asking right now
And it’s a fair one. I’ve watched a buyer walk away from a home they could afford because insurance scared them, and they never came back. I don’t want that to be you. The fear is real. The answer is a plan.
The one rule
Get your insurance quote during the inspection period. Not after you’ve removed your contingencies.
If the quote comes back high, or you can’t get coverage, you still have options. After contingencies, you don’t.
What insurers look at
- Defensible space: how much the trees and brush are cleared around the house
- Roof material: metal and other fire-resistant roofs help a lot
- Access: how easily a fire truck can get to you
- Distance to a fire station and hydrant
A home with good mitigation and a metal roof can be much easier to insure than the one down the street.
What it costs
It varies a lot by property. Some buyers find regular coverage around $2,500 to $10,000 a year. Others end up on the Colorado FAIR Plan, the state’s backup option when regular insurers say no, often paired with a second policy to cover what FAIR doesn’t.
What I do on every home
I look at what mitigation the sellers have already done, connect you with an insurance agent who actually writes mountain policies, and make sure the quote is in hand before your deadlines.
Who I call
| Who | What they do | Contact | Where they work |
|---|---|---|---|
| Catherine Davis, Allstate (Louisville) | Homeowners insurance | (303) 665-0585 · Allstate agent page | Denver metro and nearby communities |
Wildfire mitigation: reach out to me for recommendations.