Homeowners insurance - fire coverage - in Oakmore Neighborhood
We currently are renting in the Berkeley Hills and moving to the Oakmore Neighborhood in Oakland. We're looking for homeowners insurance, but were told by a number of carriers it's in a high fire risk zone so they won't cover us. This was surprising to us - I thought that since we're on the other side of 13, it was considered lower fire risk than areas like Montclair, Piedmont Pines, etc. Farmers said they'll cover us, but without fire protection, for which we'd need to go through the state program, which is incredibly expensive.
Does anyone have any advice on homeowners insurance companies in this area that will cover home + fire? Thanks in advance!