Safer from Wildfires Insurance Discounts

Home hardening · Free, 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.

Every one of the listed actions earns a discount on its own, so you do not have to do all of them before it is worth telling your insurer. The cheap ones first: clear the five feet nearest the walls and put stone or decomposed granite where the bark chips were, and swap any wooden fence that touches the house for metal, because a wooden fence runs fire to the wall like a wick. Then metal mesh of 1/16 to 1/8 inch over the vents, six inches of brick, stone or concrete at the bottom of the walls, and combustible sheds moved 30 feet clear. Joining a Firewise USA or Fire Risk Reduction Community counts as well, so a neighbourhood that acts together is credited for it. Where this comes from

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