VBF Insurance Agency — Coverage for High-Fire-Zone Homes

Built for high-fire zones

We understand fire risk. Most agents just see a declined application.

When a carrier flags your home for wildfire risk, most agencies stop there. We start there — with the underwriting knowledge to actually get high-fire-zone homes covered.

Non-renewal support

Dropped by your current carrier? We'll walk you through your options clearly, including the California FAIR Plan (CFP) if needed.

FAIR Plan guidance

If standard coverage isn't available for your address, we'll walk you through your options clearly.

Every type of home, covered right

Standard homeowners, DIC + FAIR Plan combos, manufactured homes, and modular homes — whatever kind of home you own, we know how to place it correctly.

Commercial coverage, done right

From Workers' Comp and Business Owner's Policies to niche fits like restaurants and auto repair shops, we build commercial coverage around how your business actually runs.

About the agency

Insurance from someone who actually answers.

VBF Insurance Agency is the team behind the policy — handling everything from your first quote to your next renewal, claim, or life change. No call centers, no scripts. Victor Figueroa brings 17+ years in the insurance industry to every policy.

We take the time to understand your coverage and make sure it actually fits your situation — you're the priority, not the sale.

17+Years Experience

5Coverage Lines

2018Agency Founded

Victor Figueroa

Agency Owner

Personally oversees every client relationship and policy that comes through VBF Insurance.

P&C License #0H39891 · State Corp License #6004257

What we cover

High-fire homes are our specialty. Not our only strength.

We built our name on hard-to-place, high-fire-zone homes — but Auto, Earthquake (CEA), and Business make up a big share of what we write every day. Whatever's on your policy list, we've likely already handled it for someone like you.

Primary specialty

Homeowners — High-Fire Zone

Comprehensive homeowners coverage for hillside, canyon, and wildland-adjacent California properties. We understand high-fire-zone underwriting inside and out, so you're not left guessing about a non-renewal notice.

Wildfire Risk Review Home-Hardening Credits Non-Renewal Placement

Zone 0–2Defensible space assessed

Same-DayTypical quote turnaround

CFPGuidance when you need it

Auto

Licensed Drivers · Non-Standard / Unlicensed Drivers · Classic & Collector Vehicles

Life

Term and permanent life insurance policies built around your family's needs.

Home

DIC + FAIR Plan Combo · Manufactured Homes · Modular Homes

Investment Properties

Rental Condos, Townhomes & Single-Family Homes · Duplex, Triplex & Fourplex · ADUs

Catastrophe Policies

Earthquake · Flood · Fire-Only

Umbrella

Extra liability protection layered on top of your auto and home policies.

Recreational

RVs & Motorhomes · ATVs & Quads · Boats

Classic & Collector Vehicles. VBF Insurance Agency is a proud partner with Hagerty, offering specialty coverage built for the way you actually use your classic, collector, or exotic vehicle.

Workers' Compensation

Coverage for on-the-job injuries and illnesses, keeping your business protected and compliant with California requirements.

Business Owner's Policy (BOP)

Bundled property and liability protection built for small and mid-sized businesses.

Commercial Auto

Protection for vehicles used in your business — from a single work truck to a full fleet.

Commercial Condo

Coverage for condo-owned commercial units and associations, tailored to shared-property risk.

Restaurant Specialist

Property, liability, and equipment coverage built for the risks restaurants and food-service businesses face every day.

Auto Service & Repair Shop Specialist

Garage liability, tools & equipment, and shop coverage tailored for auto service, repair, and body shops.

Meet the team

One team, statewide reach.

VBF Insurance Agency is owner-operated, backed by a dedicated team who know California fire-zone underwriting inside and out.

Owner & Agent

Victor Figueroa leads the agency and personally oversees client relationships and policies.

Sales

Jose Serrano, Ryan Velazquez, Joe Sepulveda, and Giselle Hernandez quote, bind, and service new policies.

Customer Service

Lind Chaffee and Michelle Cardenas handle day-to-day questions, billing, and account support.

Policy Review & Renewals

Ricardo Cardenas reviews existing coverage and manages renewals to keep your policy up to date.

Free quote

Tell us about your property — we'll do the rest.

No obligation, no pressure. Fill out the form and a licensed agent will reach out with your personalized quote, usually the same business day — including a read on your property's fire risk.

High-fire-zone specialists
Bundle & multi-policy discounts
Quotes typically same-day

Prefer to talk? (714) 777-8701

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Thanks — we'll be in touch shortly.

A licensed VBF Insurance agent will reach out, usually the same business day.
In a hurry? Call (714) 777-8701.

Homeowners coverage for the areas other agents turn away.