The best company for you is dependent on the coverage you need, your budget, and where you live. Not every company rates policies the same or provide the same coverage. To figure out what company meets your needs for cost and coverage, request quotes.
Both HO-2 and HO-3 homeowners policies provide coverage for damage from fires, but there may be certain conditions around wildfires.
Many insurance companies also limit or stop issuing policies during a wildfire to prevent an increase in claims. Since you’re looking to get home insurance now, you’ll want to be sure you finalize a policy before wildfire season.