Have You Been Affected by Fire Insurance Changes?


Tales abound of property insurance fire policies being canceled, premiums increasing, and insurance companies requiring property improvements and hardening.

This month’s question is: How have changes in fire insurance affected you?




Stephen Wright, Glenshire
Lover of the outdoors

I think we’re on the chopping block. I’ve had an Allstate policy for 22 years; they just tried to cancel it. I’ve never made one claim. It was funny, the adjuster said they’re trying to reduce their exposure, and I laughed and said, ‘Well, they’re an insurance company, I pay for them to take care of my exposure.’ Allstate made me do a big defensible space clearing, which I’m a big fan of, but if our neighborhood is gonna burn down, it doesn’t matter what I do with my lot.

Kelly Boire, Sierra Meadows
Long-term local resident

Our insurance has gone up considerably, and we are, at times, concerned about the future of financial protection.


Paula Henrikson, Donner Lake
Nurse, nature lover

I’m very mindful of changes in my insurance. It’s only been incremental for me so far. Some of my friends have been canceled by their fire insurance. I’m also working hard on defensible space, and the fire department in Truckee is very much monitoring that.

Rick Wright, Sawmill Heights
Mogul addict

It made me buy a house in Maine because I couldn’t get fire insurance in Tahoe.


Chelsea Roth, Prosser Lakeview
Local therapist

We’re very mindful of our defensible space and we make sure to rake our pine needles and take down trees in our yard that are concerning to us. Luckily, our neighborhood has become very fire-wise; they created a whole group about it and so I watch the posts on Facebook about any kind of new information coming out.


  • Ted Coakley III

    Lived: OH-TX-OK-CA-NY-CA Visited (work and/or non-work): many states all over the U.S., MX, Canada, Central & South America, Asia & Europe. High on my wish list is Ireland, all over Africa, New Zealand, Russia, Norway, China, Iran, Bhutan, Ecuador, Iceland, Bali, Baja .... well, okay, any/everywhere would be great to visit. Worked: photo, film/video, manual labor, high finance, menial, profound. Someone recently asked me, "You like to talk to people that others don't like to talk to?" I answered that I do like doing that, as much as talking to anyone else, but it's not "a thing" for me that I'm especially into. A day or two later, it struck me why I was asked that - because a lot of people are not like that ... not like me in that way. I'm glad I'm not like others in that way. ¡All for fun and fun for all!

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