The Hidden Risks of Insuring Remote Properties in High Fire-Risk Zones

​The housing market in Arizona continues to grow in outlying areas, especially around rural spots like Dewey, Chino Valley, Prescott, and Mayer. These scenic locations attract homebuyers seeking privacy and natural beauty—but they also come with insurance complications.

Fire Scores Can Make or Break a Deal
Most buyers have never heard of a fireline or brushfire risk score. This rating evaluates the property's proximity to wildfire threats and impacts whether insurance carriers will even write a policy.
We’ve Seen It Firsthand
At VIP Insurance Professionals, we’ve had cases where a home under contract became nearly uninsurable due to an elevated fire score. In some cases, we could only find policies at very high premiums. In other cases, we had to decline coverage altogether.
The Fix: Involve Your Insurance Broker Early
Here’s the solution: Loop us in before you go under contract. As your insurance broker, we can run risk assessments, check the fire score, and let you know what coverage will look like—before your buyers fall in love with a property they can’t insure.
Ideal for Real Estate Agents and Loan Officers Too
This isn’t just helpful for buyers. If you're a real estate agent or loan officer, partnering with an insurance expert early in the process can save your clients money, time, and major disappointment.
The VIP Advantage
We know the Quad Cities. We’ve worked through high-risk properties before, and we’ll advocate for the best coverage options available.