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 Firewise 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 |
---|---|---|---|---|---|
Allstate Insurance Company |
None |
Yes |
Jul 2008 |
800-255-7828 |
|
American Modern Home Insurance Company |
Firewise Community |
Yes |
Nov 2018 |
800-543-2644 |
|
ASI Select Insurance Corp |
Firewise Community |
Yes |
Feb 2021 |
866-274-8765 |
https://www.americanstrategic.com/ |
California Automobile Insurance Company |
Firewise Community |
Yes |
Oct 2020 |
866-974-2910 |
|
Crestbrook Insurance Company |
None |
Yes |
Feb 2014 |
877-669-6877 |
|
CSAA Insurance Exchange |
CSAA approved |
Yes |
Nov 2021 |
855-424-8639 |
|
Falls Lake Fire and Casualty |
Firewise Community |
Yes |
Dec 2019 |
800-780-7454 |
|
Occidental Fire & Casualty Company of North Carolina |
None |
Yes |
Aug 2013 |
800-481-0661 |
|
State Farm General Insurance Company |
Firewise Community |
Yes |
Feb 2022 |
800-782-8332 |
|
The Cincinnati Insurance Company |
Shelter in Place Community |
Yes |
Aug 2016 |
888-242-8811 |
|
California FAIR Plan |
Firewise Community |
Yes |
May 2018 & Jun 2011 |
800-339-4099 |
|
Chubb Group |
|||||
Federal Insurance Company |
Shelter in Place Community |
Yes |
Dec 2018 |
800-682-4822 |
|
Pacific Indemnity Company |
Shelter in Place Community |
Yes |
Dec 2018 |
[same as above] |
[same as above] |
Vigilant Insurance Company |
Shelter in Place Community |
Yes |
Dec 2018 |
[same as above] |
[same as above] |
USAA Group |
|||||
Garrison Property and Casualty Insurance Company |
Firewise Community |
|
Oct 2014 |
210-531-8722 |
|
United Services Automobile Association |
Firewise Community |
|
Oct 2014 |
[same as above] |
[same as above] |
USAA Casualty Insurance Company |
Firewise Community |
|
Oct 2014 |
[same as above] |
[same as above] |
USAA General Indemnity Company
Revised 11/14/22 |
Firewise Community |
|
Oct 2014 |
[same as above] |
[same as above] |