For those of us that have not lost our homes to either of these fires, we should use the occurrence of these fires to inspire us to review the policies we have insuring our homes. Call your agent to get an understanding of what coverage you currently have. If that coverage needs to be changed to insure your unique circumstances, then get those changes made. Along with your coverage also look at the deductible on your policy. If you can afford a larger deductible, then make that change too. Accepting more of the risk yourself can save you money on the premium every year.
If I can answer any other questions regarding this topic send me an email at firstname.lastname@example.org or give me a call, (805)985-5488