Home owners insurance

UPDATED: Sep 30, 2022

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Home owners insurance

My father’s insurance is up for new renewal. They notified him they would not be renewing his insurance. Almost 2 years ago near his home was the butte fire and a lot of people are losing there homeowners insurance. Is it legal for your current insurance to not renew you because you live close to the fire area? He is having a difficult time finding anyone who will cover his house. He did not have a claim and the fire never reached his home. Thanks in advance for your time.

Asked on August 18, 2017 under Insurance Law, California


SJZ, Member, New York Bar / FreeAdvice Contributing Attorney

Answered 5 years ago | Contributor

It is completely legal. There is no obligation requiring insurers to insurer any particular or individual home: insurers are private businesses, and decide who to insure, and under what terms and for what premiums. The are in business to make money, not as a public service, and will not insure if they believe there is too-high a chance they will pay out more than they take in. An insurer can decide that a particular home, or homes in a certain area, are too risky/unprofitable to insurer (too high a likelihood of claims) and that they don't want those homeowners as customers.

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