Save Money on Home Insurance: 10 Insurers That Offer Discounts for Wildfire Mitigation

Written By Brian Palazzo

Wildfires are a growing concern in California, especially in high-risk areas like Placer, Nevada, Sonoma, El Dorado, Butte, and Contra Costa counties. Homeowners are facing rising insurance costs, but did you know that you can lower your premiums by taking proactive steps to protect your home? Many insurance companies offer discounts for homeowners who implement wildfire mitigation strategies, such as defensible space, home hardening, and fire sprinklers.

10 Insurance Companies Offering Wildfire Mitigation Discounts

We’ve compiled a list of 10 insurance providers that reward homeowners for reducing their wildfire risk. See how you can qualify and start saving today!

1. Allstate Insurance Company

  • Discounts Offered: Property-specific mitigation discounts.

  • Qualifying Actions: Maintaining defensible space, installing fire-resistant materials.

  • Contact: www.allstate.com | 800-255-7828

2. American Modern Home Insurance Company

  • Discounts Offered: Community-based discounts for Firewise USA® recognized communities.

  • Qualifying Actions: Participating in community-wide wildfire risk reduction programs.

  • Contact: www.amig.com | 800-543-2644

3. ASI Select Insurance Corp

  • Discounts Offered: Community and property-specific mitigation discounts.

  • Qualifying Actions: Engaging in community wildfire preparedness and home hardening.

  • Contact: www.americanstrategic.com | 866-274-8765

4. Mercury Insurance (California Automobile Insurance Company)

  • Discounts Offered: Up to 18% for wildfire mitigation efforts.

  • Qualifying Actions: Installing Class-A fire-rated roofs, fire-resistant siding, defensible space.

  • Contact: www.mercuryinsurance.com | 866-974-2910

5. Crestbrook Insurance Company

  • Discounts Offered: Property-specific mitigation discounts.

  • Qualifying Actions: Ember-resistant vents, defensible space, fire-resistant materials.

  • Contact: www.nationwide.com | 877-669-6877

6. CSAA Insurance Exchange (AAA)

  • Discounts Offered: Community-based discounts for Firewise USA® recognized communities.

  • Qualifying Actions: Participating in recognized community wildfire preparedness programs.

  • Contact: calstate.aaa.com/insurance | 855-424-8639

7. State Farm General Insurance Company

  • Discounts Offered: Community and property-specific mitigation discounts.

  • Qualifying Actions: Community wildfire preparedness, home hardening techniques.

  • Contact: www.statefarm.com | 800-782-8332

8. The Cincinnati Insurance Company

  • Discounts Offered: Community-based discounts for Shelter-In-Place recognized communities.

  • Qualifying Actions: Participating in community-wide wildfire risk reduction programs.

  • Contact: www.cinfin.com | 888-242-8811

9. USAA Group

  • Discounts Offered: Community-based discounts for Firewise USA® recognized communities.

  • Qualifying Actions: Engaging in community wildfire preparedness initiatives.

  • Contact: www.usaa.com | 210-531-8722

10. California FAIR Plan

  • Discounts Offered: Home hardening discounts for specific wildfire mitigation measures.

  • Qualifying Actions: Class-A fire-rated roof, ember-resistant zone, defensible space.

  • Contact: www.cfpnet.com | 800-339-4099

How to Qualify for Discounts

Most insurers require homeowners to take the following steps to qualify for discounts:

  • Defensible Space: Clear vegetation and flammable materials from around your home.

  • Home Hardening: Install ember-resistant vents, fire-resistant siding, and a Class-A fire-rated roof.

  • Fire Sprinklers: Installing an exterior wildfire sprinkler system can significantly reduce the risk of fire damage.

  • Community Involvement: Join or support Firewise USA® recognized communities.

Take Action and Save Money Today!

Investing in wildfire defense not only protects your home but also saves you money on insurance. Contact us today for a free quote on installing a home wildfire sprinkler system—one of the best ways to enhance your property’s fire resilience and qualify for insurance discounts.

📞 Call us now or visit our website to learn more!

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Brian Palazzo
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