I hadn't considered the urban situation. I wonder if rural people are considered a class of people.No I have never heard of this. I suppose if you lived at the end of some desolate road in some desolate area it would be a concern. Like interior Alaska. So if your home was nestled between two crack houses in an urban setting would they also not insure it? I would bet they would. Seems that their actuaries might need a refresher course.
Typically, you can not get insurance for fire-related issues.
To whom ?And they call themselves "Farmers" Insurance. What a joke. I was with FI for many years and they finally tightened the rules governing rural houses several years ago. My agent was POed about that and encouraged me to send a sarcastic letter to them. I just switched companies.