In Southern California, brush fires are a painful reality.

They break out each summer in remote areas when the mercury begins to heat up. And Santa Clarita sees a lot of the action.

The trend — both in Santa Clarita and other parts of the Southland — has prompted some insurance carriers to take action by not renewing homeowners coverage when an insured lives in a brush area. If you’re thinking of buying a home, make sure you check out the fire risk in your area first — because it could be high.

It’s important that you check this out early on. If the home is in a brush area that could hike your monthly insurance premiums by a lot. The increased risk in fire-prone areas has also prompted some insurers to limit coverage for smoke damage from a wildfire to $5,000.

In many cases, that won’t be nearly enough to get your home back into shape, so check your policy!

Now for the good news. Insurance brokers — like Insurance SCV — typically deal with a variety of insurers. That means they’ll be more likely to find a company that will insure your home.

The Pico Fire, which is still burning in Stevenson Ranch, is a good example of the kind of fires we see in and around Santa Clarita. And it’s on the smaller side. Other recent blazes, including one near Calgrove Boulevard and another one near the Towsley Canyon hiking area, were bigger, threatening many more homes.

When blazes come through, they often leave charred homes and damaged vehicles in their wake. The lesson here is this: Pay attention when you’re in the market for a home. If you don’t you could be in for way more than you bargained for.

Questions? Call Carol Smith of Insurance SCV at 661-803-3803 for a quote.