Insurance Information
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.
Safer from Wildfires Actions That Will Qualify You for an Insurance Discount:
Community-Level Discounts:
- Firewise USA Community: Check to see if you are within a Firewise Community by using our online mapping tool. Select "Firewise Communities (ALL)", under Fire-Related Layers, to review the boundary maps.
- If you are within a Firewise Community, reach out to Richard Galvin by email at richard.galvin@edcgov.us to inquire about how to obtain your certificate.
- If you are not within a Firewise Community, please visit our Firewise Communities page 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.
Community-Level Discount Documents to Provide to Your Insurance Provider:
Other Resources
Wildfire Insurance Initiatives
Insurance Assistance
Other Information