Barber Insurance Agency, Inc.
620 College Ave, Santa Rosa, CA 95404
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620 College Ave, Santa Rosa, CA 95404
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2455 Bennett Valley Road, Suite B210, Santa Rosa, CA 95404
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100 E Street, Suite 205, Santa Rosa, CA 95404
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3160 Santa Rosa Ave, Santa Rosa, CA 95407
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4918 Sonoma Hwy, Ste C, Santa Rosa, CA 95409
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443 Dutton Ave, Santa Rosa, CA 95407
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4241 Montgomery Dr, #2, Santa Rosa, CA 95405
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456 S E St, Santa Rosa, CA 95404
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1330 N Dutton Avenue, Suite 103, Santa Rosa, CA 95401
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Learn about insurance coverage options specific to Santa Rosa residents.
Santa Rosa home insurance is expensive and hard to find. Learn about wildfire risk, the Tubbs Fire impact, FAIR Plan options, and earthquake coverage.
Car InsuranceSanta Rosa auto insurance averages $1,243-$1,789/year. Learn about CA's new 30/60/15 minimums, Highway 101 risks, and how to save on coverage.
General Insurance EducationComplete insurance guide for Santa Rosa residents covering wildfire risk, home insurance costs, auto rates, and California FAIR Plan options in 2024.
Santa Rosa sits in an extremely high-risk wildfire zone, with 81% of properties facing wildfire risk. After the devastating 2017 Tubbs Fire destroyed over 5,600 structures, insurers dramatically increased rates and many stopped writing new policies in the area. Recent regulatory changes around reinsurance costs could push premiums 40-50% higher in the coming years.
The FAIR Plan is a last-resort insurance program that provides basic fire coverage when traditional insurers won't cover your home. It only protects against fire damage, so you'll need a separate policy for everything else like liability, theft, and water damage. You might need it if standard insurers have denied or non-renewed your coverage due to wildfire risk.
No, standard homeowners insurance explicitly excludes earthquake damage. Since Sonoma County has a 90% chance of a major earthquake within 50 kilometers in the next 50 years, you need a separate earthquake policy, typically through the California Earthquake Authority. These policies have higher deductibles (usually 5-25%) but protect you from catastrophic losses.
Calculate what it would cost to completely rebuild your home from the foundation up at current construction prices, then add 20-30% for cost increases, debris removal, and code upgrades. Many Tubbs Fire victims discovered they were underinsured by hundreds of thousands or even over $1 million. Don't rely on your insurer's default suggestion—do your own research or hire an appraiser.
Yes, fire-resistant improvements can reduce premiums and make coverage easier to obtain. Replace wood shake roofs with Class A fire-resistant materials, install ember-resistant vents, create defensible space by clearing vegetation, and box in eaves. The FAIR Plan specifically offers discounts for wildfire mitigation measures, and some traditional insurers have renewed policies they planned to cancel after homeowners made these improvements.
About two-thirds of Tubbs Fire victims were underinsured, with some facing shortfalls exceeding $1 million between insurance payouts and actual rebuilding costs. Many built smaller replacement homes, sold their land, or struggled for years to complete reconstruction as construction costs soared and contractors were overwhelmed with demand. This highlights why adequate dwelling coverage is critical in high-risk areas.
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