I would suggest joining NextDoor for the neighborhood and asking there. In at least one area of the Hills, this question comes up very couple months with a few dozen helpful responses (talk about FairPlan, referrals of agents who have successfully placed fire insurance, etc.). There may also be a local FB page, with the same information. So far, everyone I know has been able to get fire insurance placed, but the rates have been high. I've heard that Lloyds' policies are very difficult to make claims against, sometimes requiring repeat efforts when turned down. I don't have any personal experience with FairPlan... sorry! And GOOD LUCK!! The fire risk is very real, and now annual. Small brush fires started by weed-whackers, blown electrical grid transformers, homeless encampments, tossed cigarette butts... and then spread through properties where effective brush clearance hasn't been done (less and less of that, since the Fire Dept. has gotten much better about inspections, with drones, and very high fees if they have to contract for the clearance work).