If you live in Medford, OR, wildfire season is a recurring\u00a0risk that must be accounted for. It may be particularly important to understand\u00a0whether your\u00a0homeowners\u00a0insurance\u00a0applies to damage and costs caused by wildfires.<\/p>\n
Most standard\u00a0homeowners\u00a0policies include fire as a covered peril, and that\u00a0generally extends\u00a0to wildfire damage. The\u00a0Oregon\u00a0Insurance Code\u00a0requires every standard\u00a0homeowners\u00a0insurer to include wildfire coverage. If\u00a0a wildfire\u00a0destroys your home, your dwelling coverage may help pay for repairs or rebuilding. Your\u00a0personal property\u00a0coverage may apply to damaged belongings, and loss-of-use coverage can help with temporary housing while your home is uninhabitable.\u00a0Smoke damage is also typically covered under standard policies.<\/p>\n
The 2020 Almeda Fire changed the insurance landscape across\u00a0Jackson County\u00a0in ways that are still unfolding. Thousands of homes were destroyed or damaged in a matter of\u00a0days. In the aftermath, several carriers stopped writing new policies in wildfire-exposed areas\u00a0or increased premiums.<\/p>\n
Insurers now routinely use their own proprietary wildfire risk models. Factors considered in their models\u00a0to help\u00a0determine\u00a0risk levels and premiums\u00a0typically include:<\/p>\n
A high-risk score can limit your policy options, raise your\u00a0rates\u00a0or result in a nonrenewal notice.<\/p>\n
AIC Insurance Agency - Medford can help you find policies suited to your property\u2019s risk profile, including options through the\u00a0Oregon FAIR Plan\u00a0if standard coverage is unavailable.<\/p>\n
Contact<\/a>\u00a0AIC Insurance Agency - Medford today to review your current\u00a0homeowners\u00a0insurance<\/a>\u00a0policy\u00a0and discuss available options\u00a0before\u00a0wildfire season peaks.<\/p>\n This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.<\/i><\/p>\n","protected":false},"excerpt":{"rendered":" If you live in , wildfire season is a recurring\u00a0risk that must be accounted for. It may be particularly important to understand\u00a0whether your\u00a0homeowners\u00a0insurance\u00a0applies to damage and costs caused by wildfires. What Standard Homeowners Insurance Covers Most standard\u00a0homeowners\u00a0policies include fire as a covered peril, and that\u00a0generally extends\u00a0to wildfire damage. The\u00a0Oregon\u00a0Insurance Code\u00a0requires every standard\u00a0homeowners\u00a0insurer to include wildfire […]<\/p>\n","protected":false},"author":35,"featured_media":10940,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_seopress_titles_title":"%%post_title%% %%sep%% %%sitetitle%%","_seopress_titles_desc":"Most standard\u00a0homeowners insurance\u00a0policies include fire as a covered peril, and that\u00a0generally extends\u00a0to wildfire damage. For proper coverage, call AIC Insurance Agency today.","_seopress_robots_index":"","_seopress_robots_follow":"","_seopress_robots_imageindex":"","_seopress_robots_snippet":"","_seopress_robots_primary_cat":"","_seopress_robots_breadcrumbs":"","_seopress_robots_freeze_modified_date":"","_seopress_robots_custom_modified_date":"","_seopress_robots_canonical":"","_seopress_social_fb_title":"","_seopress_social_fb_desc":"","_seopress_social_fb_img":"","_seopress_social_fb_img_attachment_id":0,"_seopress_social_fb_img_width":0,"_seopress_social_fb_img_height":0,"_seopress_social_twitter_title":"","_seopress_social_twitter_desc":"","_seopress_social_twitter_img":"","_seopress_social_twitter_img_attachment_id":0,"_seopress_social_twitter_img_width":0,"_seopress_social_twitter_img_height":0,"_seopress_redirections_value":"","_seopress_redirections_enabled":"","_seopress_redirections_enabled_regex":"","_seopress_redirections_logged_status":"","_seopress_redirections_param":"","_seopress_redirections_type":0,"_seopress_analysis_target_kw":"","_seopress_news_disabled":"","_seopress_video_disabled":"","_seopress_video":[],"_seopress_pro_schemas_manual":[],"_seopress_pro_rich_snippets_disable_all":"","_seopress_pro_rich_snippets_disable":[],"_seopress_pro_schemas":[],"_analytify_skip_tracking":false,"footnotes":""},"categories":[1,10],"tags":[],"class_list":["post-10938","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog","category-home"],"acf":[],"_links":{"self":[{"href":"https:\/\/www.aicinsurancemedford.com\/es\/wp-json\/wp\/v2\/posts\/10938","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.aicinsurancemedford.com\/es\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.aicinsurancemedford.com\/es\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.aicinsurancemedford.com\/es\/wp-json\/wp\/v2\/users\/35"}],"replies":[{"embeddable":true,"href":"https:\/\/www.aicinsurancemedford.com\/es\/wp-json\/wp\/v2\/comments?post=10938"}],"version-history":[{"count":0,"href":"https:\/\/www.aicinsurancemedford.com\/es\/wp-json\/wp\/v2\/posts\/10938\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.aicinsurancemedford.com\/es\/wp-json\/wp\/v2\/media\/10940"}],"wp:attachment":[{"href":"https:\/\/www.aicinsurancemedford.com\/es\/wp-json\/wp\/v2\/media?parent=10938"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.aicinsurancemedford.com\/es\/wp-json\/wp\/v2\/categories?post=10938"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.aicinsurancemedford.com\/es\/wp-json\/wp\/v2\/tags?post=10938"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}