Safer from Wildfires Insurance Discounts
Home hardeningFree, from California Department of Insurance
Under Insurance Code section 2644.9, effective October 14, 2022, all admitted property insurers that use wildfire risk in pricing must offer premium discounts for 12 specific mitigation measures in three categories. Nine further laws took effect January 1, 2026, including AB 1, which requires regular review of the Safer from Wildfires regulations.
How to apply Ask your insurer which of the 12 mitigation discounts your policy qualifies for; the CDI consumer hotline can help.
Where it applies
- All of California
Run by
California Department of Insurance
State agency