[fingpilot]

When I lived in a canyon right behind Burbank airport, regular insurance was not available for fire. There was a state-guaranteed insurance called "The California Fair Plan". It was comparably priced with conventional insurance (had it been available), but came with mandatory fire department inspections for brush and space clearance. If you didn't do it, they would, and send you a bill.

The replacement limits and deductables were less generous as well. But it beat nothin. The place was an 1100 sq/ft tract house, no neighbors behind (the Verdugo mountains), and was nothing special. But a cul-de-sac tree-lined street with the glow of the city lights out every window.

If I caught both red lights on the way to work, it doubled my commute time to 20 minutes.