Dear lwt42, you're right: it IS hard to get fire insurance and it's getting harder all the time. My neighbor has State Farm fire insurance and mine is specifically for my profession. But I feel vulnerable and they may send me a non-renewal notice at any time in the future, which would be ironic after following their orders and having my tree cut down. I'm mentally prepared to have to go with the CA Fair Plan at some point. With what it costs, that will hurt for sure. And the travesty of it all is that the high cost of fire insurance will make it harder for us to sell our houses in the future.