Defensible Space
Plan defensible space around your home, distinguish local rules from insurance requirements, and document improvements for underwriting review.
Read the guideThe homeowner guide collection
Make sense of wildfire insurance.
Clear explanations of coverage, nonrenewal, mitigation, and the decisions that come next.
Home Hardening
Review roofs, vents, decks, and other wildfire vulnerabilities, plan upgrades carefully, and document your work for an insurance conversation.
Read the guideEvacuation Prep
Create a practical wildfire evacuation plan for people, pets, essential supplies, communications, and insurance records before an emergency.
Read the guideCoverage Options
Compare homeowners, specialty, surplus lines, and residual-market insurance options, with questions about wildfire coverage, limits, and lender requirements.
Read the guideIf You’re Nonrenewed
Organize your homeowners nonrenewal notice, check deadlines, document corrections, and compare replacement insurance without assuming coverage is extended.
Read the guideClaims History
Review insurance loss records, correct reporting errors, document repairs, and prepare an accurate application when prior claims complicate home insurance.
Read the guideMitigation Discounts
Learn how to ask about wildfire mitigation credits, eligibility reviews, documentation, and total policy cost without assuming savings are guaranteed.
Read the guideParametric insurance: understand the trigger before the promise
Learn how parametric insurance triggers, payments and basis risk differ from homeowners coverage, with questions to ask about a specific proposal.
Read the guideFAIR Plans, coverage gaps and private-market alternatives
Understand state FAIR Plans, DIC companion coverage and private-market alternatives, with a practical checklist for comparing actual policy terms.
Read the guideDefensible-space requirements: who is asking, and what applies?
Distinguish defensible-space safety guidance, local law, insurer conditions and voluntary programs before planning work or assuming a requirement applies.
Read the guide