Insurance Information

Click the tabs below to learn more about what the California Department of Insurance is doing for California Insurance Consumers

Safer from Wildfires Initiative

Insurance Discount Header

The California Department of Insurance Safer from Wildfires Initiative is a ground-up approach to wildfire resilience that can help with your insurance costs with discounts available for actions taken at both the community and individual property levels. Every action under Safer from Wildfires will qualify you for an insurance discount.

Residents are encouraged to contact their homeowner's insurance provider to inquire about receiving a discount on their policy.

Community-Level Discounts:

  • Firewise USA Community: Visit our Firewise Communities page to find out if you are within one or to learn more on how to start one.
  • Fire Risk Reduction Community: On July 1, 2024, the unincorporated area of El Dorado County was added to the Fire Risk Reduction Community List by the State Board of Forestry and Fire Protection. A copy of the 2024 list is available here: Fire Risk Reduction Community List.

Property-Level Discounts:

  • Home Hardening: Class A fire-rated roof, noncombustible 6 inches at the bottom of walls, ember- and fire-resistant vents, double pane windows or added shutters, enclosed eaves.
  • Defensible Space: 5-foot ember-resistant zone around the structure, cleared vegetation and debris from under decks, move sheds and outbuildings at least 30 feet away, trim trees and remove brush in compliance with state and local defensible space laws.

More Information:

Sustainable Insurance Strategy

CA Insurance Strategy Header

What is the Strategy?

This initiative focuses on modernizing the state's insurance market by making insurance accessible to all Californians, strengthening the insurance marketplace, and protecting consumers and communities from the negative effects of climate change. It also tackles challenges such as rising global inflation, higher insurance costs for rebuilding, and the increasing risk of natural disasters.

Why is it Important?

It addresses the urgent challenges faced by both the insurance market and its consumers in California. It responds to the evolving insurance landscape by enhancing market stability, improving access to coverage, and protecting against the growing financial strain caused by climate change-driven disasters and global inflation.

What are the Benefits?

This strategy improved insurance access, fairness, and resilience for both the market and consumers. 

  • Increases insurance availability and access
  • Decreases FAIR Plan and policyholders
  • Incorporates catastrophe models and mitigation
  • Modernizes the FAIR Plan

More Information:

Other Resources