Besides California Fair Plan

[marindependent]

Occasionally i ran into prospects looking for insurance for their house in High Fire Areas.

My guess is that you don't write that many homes in California or you only write exceptionally urban properties. I am seeing upwards of 50% of common new policies in these zones these days. The entire thing is an utter wildfire insurance nightmare.

I could respond and tell you who I use, but by the time you read this post, the information will have changed. A short version of my answer thought - is to get used to FAIR and start shopping the DIC vendors, cause they are not all created equal.