Insurance & FAIR Plans
How wildfire-area home insurance and state FAIR Plans generally work, and what to ask your agent.
11 articles in this topic
Wildfire Insurance Survival Kit
Get your defensible-space and insurer-ready kit
Your Zone 0/1/2 defensible-space work plan, a ranked home-hardening priority list, dated photo-log templates, a reconsideration-request letter template, and an insurance-options worksheet, in one place. Personalized to your state.
- Defensible-space work plan (Zone 0/1/2, personalized to your state)
- Home-hardening priority list ranked by commonly assessed items
- Dated photo-log templates organized by zone and item
- Reconsideration-request letter template, yours to send
- Insurance-options worksheet: FAIR plan facts and an agent-conversation checklist
- 30-day money-back guarantee
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Best E&S insurance for commercial wildfire mitigation
Standard markets dropping wildfire risk push businesses to E&S carriers charging 20-40% more. Here's how underwriting and mitigation actually connect.
Booz Allen wildfire mitigation funding: what homeowners get
Booz Allen Hamilton advises federal wildfire programs, not homeowners directly. Here's how that funding trickles down and what to do while you wait.
California wildfire mitigation discount program guide 2026
How the Safer from Wildfires discount actually works, what CAL FIRE requires, and why insurers still non-renew even compliant homes. Full breakdown.
CoreLogic wildfire mitigation score: what it means for you
CoreLogic's wildfire mitigation score can affect your renewal odds. Here's what the score checks, how insurers use it, and how to document your defensible space.
Ember phone number: what it means and who to actually call
Searching for an 'ember phone number'? Here's what that likely means, the real fire agency contacts you need, and how to prep before you lose coverage.
SCE wildfire mitigation program: what homeowners need to know
SCE's Wildfire Mitigation Plan covers over 550 circuits with PSPS and covered conductor. Here's what it means for insurance, defensible space, and prep.
State Farm fire policy and defensible space: what to know
State Farm paused new CA home policies in 2023. Here's how defensible space law, 2026 fire-hardening rules, and your fire policy connect, with real dates and sources.
State Farm wildfire mitigation discount: what actually exists
State Farm offers no named 'wildfire mitigation discount' in most states. Here's what really applies, what CAL FIRE requires, and how to document your work.
Wildfire mitigation discount at State Farm: what actually exists
State Farm doesn't advertise a standard wildfire mitigation discount. Here's what's real, what varies by state, and how to document your work for any insurer.
Wildfire mitigation discounts: what actually lowers your premium
Wildfire mitigation discounts vary by state and insurer. See what CAL FIRE, state programs, and Safer From Wildfires actually document and require.
Wildfire mitigation score: what it means for your policy
A wildfire mitigation score can decide if your insurer renews you. Here's how scores work, what raises them, and how to document yours for underwriters.