Get matched with fire insurance carriers
Answer three quick questions and we’ll match you with the carriers most likely to cover your home — even if you’ve been non-renewed or told you’re “uninsurable.” Free, independent, no obligation.
Where’s the home you need to insure?
We rank wildfire-specialist carriers and channels worth exploring. Availability varies by state and property — confirm with each carrier.
Your home’s wildfire risk (optional — it sharpens the match)
Don’t know it? Check my home’s wildfire risk score →How matching works
Tell us about the home
Your state, wildfire risk, situation, and home value — three quick steps, about 60 seconds.
We match against every carrier
We score each carrier on wildfire appetite, financial strength, service, and how it treats mitigation — for your exact situation.
Get connected for real quotes
See your ranked matches, then optionally have a licensed agent reach out with quotes. Free, no obligation.
Before you buy
Carrier matching FAQ
How does FireRisk’s carrier matching work?
You answer three short questions — your state, your situation (new policy, switching, non-renewed, or unable to find coverage), and basic home details. We score every carrier in our database on the factors that actually decide wildfire coverage today: wildfire underwriting appetite, AM Best financial strength, claims and service reputation, and how the carrier treats documented mitigation. You get a ranked list of the carriers most likely to fit, and can optionally be connected with a licensed agent for real quotes.
Is the carrier matching free?
Yes — matching is completely free and there’s no obligation. If you choose to be connected, a licensed agent or carrier reaches out with quotes; you’re never charged by FireRisk.
Can you help if I was non-renewed or can’t find coverage?
Yes — that’s exactly what this is built for. When you tell us you were non-renewed or have been declined, we prioritize specialist and surplus-lines carriers, insurtechs with broader wildfire appetite, and your state FAIR Plan as a guaranteed-issue backstop, rather than the national carriers that have pulled back from high-hazard areas.
Are these the “best” fire insurance companies?
There’s no single best carrier — the right one depends on your ZIP, your home, and your situation. Our matches are editorial guidance based on public carrier profiles and your answers, not an offer of coverage or a guarantee any carrier will write your home. Always confirm current availability, pricing, and ratings before you buy.
How many carriers do you compare?
We compare 13 carriers and coverage channels that wildfire-country homeowners actually encounter — from national admitted carriers and high-value specialists to insurtechs, wildfire-focused surplus-lines carriers, and FAIR Plans. We add and update profiles as the market shifts.
FireRisk.ai is an independent information service and is not an insurer or licensed agency. Carrier matches are editorial guidance based on public profiles and your inputs — not an offer of insurance, a recommendation, or a guarantee of coverage, eligibility, or price. Availability, appetite, and rates vary by ZIP, year, and individual home. Verify current ratings, licensing, and terms before purchasing.