California homeowner guide
California Safer from Wildfires Insurance Discounts: Homeowner Checklist
California's Safer from Wildfires framework connects home hardening, defensible space, and community mitigation actions with insurance discount conversations.
This guide is informational. Confirm discount eligibility with your insurer and the California Department of Insurance.
Mitigation categories to understand
- Class-A fire-rated roof
- Five-foot ember-resistant zone
- Fire-resistant vents
- Non-combustible lower wall materials
- Enclosed eaves
- Upgraded windows
- Defensible space and community mitigation
What to document
Keep receipts, contractor descriptions, product specs, photos, and any community certification documents. Ask the insurer exactly which items qualify for a discount.
Questions to ask
- Which Safer from Wildfires actions do you recognize?
- Do discounts apply to my current policy or next renewal?
- What documentation do you require?
- Could mitigation affect eligibility, not just premium?