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CA Department of Insurance
CA Department of Insurance
CA Department of Insurance

Insurers Currently Offering Discounts

Residential Property Insurance Companies Currently Offering Discounts

for Fire Hardened Homes and/or Communities

The number of residential property insurance companies offering insurance discounts for fire-hardened homes and communities has increased since Commissioner Lara took office in 2019.  Several companies offer both community-wide discounts (for example, a home in a Fire Wise or a Shelter-In-Place community) and home-specific discounts (for example, maintaining defensible space or home-safety measures against wind-blown embers). In some cases, these discounts can be combined.  Because discounts and eligibility differ by company, we urge you to contact the insurance company directly to find out if your property qualifies. 

Insurance Company/Group

Discount Based on Community Mitigation*

Discount Based on Property/

Parcel Mitigation

Discounts in Effect Since

Telephone #

Website Address

AIG Property Casualty Company

Shelter in Place Community

X

Dec-09

866-304-5047

https://www.aig.com/

Allstate Insurance Company

 

X

Jul-08

800-255-7828

https://www.allstate.com/

American Modern Home Insurance Company

Fire Wise Community

X

Nov-18

800-543-2644

https://www.amig.com/

ASI Select Insurance Corp

Fire Wise Community

X

Feb-21

844-244-9202

https://www.asiselect.com/

California Automobile Insurance Company

Fire Wise Community

X

Oct-20

866-974-2910

https://www.mercuryinsurance.com/

Crestbrook Insurance Company

 

X

Feb-14

877-669-6877

https://www.nationwide.com/

CSAA Insurance Exchange

X (CSAA approved)

X

Nov-21

855-424-8639

https://calstate.aaa.com/insurance

Falls Lake Fire and Casualty

Fire Wise Community

X

Dec-19

800-780-7454

https://www.fallslakeins.com/

Occidental Fire & Casualty Company of North Carolina

 

X

Aug-13

800-481-0661

https://www.iatinsurancegroup.com/

State Farm General Insurance Company

Fire Wise Community

X

Feb-22

800-782-8332

https://www.statefarm.com/

The Cincinnati Insurance Company

Shelter in Place Community

X

Aug-16

888-242-8811

https://www.cinfin.com/

California FAIR Plan

Fire Wise Community

X

May-18; Jun-11

800-339-4099

https://www.cfpnet.com/

Chubb Group

 

 

 

 

 

Federal Insurance Company

Shelter in Place Community

X

Dec-18

800-682-4822

https://www.chubb.com/us-en/

Pacific Indemnity Company

Shelter in Place Community

X

Dec-18

 

 

Vigilant Insurance Company

Shelter in Place Community

X

Dec-18

 

 

USAA Group

 

 

 

 

 

Garrison Property and Casualty Insurance Company

Fire Wise Community

 

Oct-14

210-531-8722

https://www.usaa.com/

United Services Automobile Association

Fire Wise Community

 

Oct-14

 

 

USAA Casualty Insurance Company

Fire Wise Community

 

Oct-14

 

 

USAA General Indemnity Company

 

Revised 11/15/21

Fire Wise Community

 

Oct-14

 

 

 

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