Start with the property
Review construction, roof, occupancy, brush exposure, updates, claims history when available, and lender requirements.
Wildfire & catastrophe readiness
Protect the property—and prepare the household.
Review insurance placement, wildfire mitigation, earthquake coverage, and retrofit resources in one California-focused center.
Understand the FAIR Plan
The California FAIR Plan can provide basic property coverage for eligible applicants as an insurer of last resort. It is not equivalent to a standard homeowners policy.
Evaluate DIC coverage
A Difference in Conditions policy may add liability, theft, water damage, loss of use, and other non-fire protection, depending on the policy.
Prepare for multiple catastrophes
Wildfire mitigation and earthquake retrofitting address different hazards. Insurance limits, deductibles, exclusions, and readiness plans should be reviewed together.
Official readiness center
California wildfire and earthquake resources
Use the official sites below to verify current requirements, discounts, grants, and program availability.
Wildfire readiness
Home hardening, defensible space, evacuation planning, and CAL FIRE's interactive readiness tools.
Open Ready for Wildfire ↗Safer from Wildfires
California mitigation actions for the structure, immediate surroundings, and community that may qualify for insurance discounts.
Review California discounts ↗California FAIR Plan
Official eligibility, coverage, policy, and contact resources for California's insurer of last resort.
Visit the FAIR Plan ↗CEA earthquake coverage
Explore CEA dwelling, personal property, loss-of-use, deductible, and earthquake policy options.
Explore CEA coverage ↗Earthquake retrofit discounts
Review current premium discounts for qualifying seismic retrofits and required verification.
Review CEA discounts ↗Brace + Bolt grants
Check current eligibility and registration for code-compliant foundation bolting and cripple-wall bracing assistance.
Check retrofit grants ↗Interactive guides
Go deeper before choosing coverage.
Compare common limits, deductibles, mitigation priorities, and official resources in the education center.
Coverage reminder
A quote is not a binder. Mitigation or retrofit work does not guarantee eligibility, coverage, or a discount. Confirm documentation and carrier requirements before relying on a credit.
Clear next steps
Let’s review your insurance needs.
Receive responsive guidance and coverage options based on your situation.