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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 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

https://www.allstate.com/

American Modern Home Insurance Company

Firewise Community

Yes

Nov 2018

800-543-2644

https://www.amig.com/

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

https://www.mercuryinsurance.com/

Crestbrook Insurance Company

None

Yes

Feb 2014

877-669-6877

https://www.nationwide.com/

CSAA Insurance Exchange

CSAA approved

Yes

Nov 2021

855-424-8639

https://calstate.aaa.com/insurance

Falls Lake Fire and Casualty

Firewise Community

Yes

Dec 2019

800-780-7454

https://www.fallslakeins.com/

Occidental Fire & Casualty Company of North Carolina

None

Yes

Aug 2013

800-481-0661

https://www.iatinsurancegroup.com/

State Farm General Insurance Company

Firewise Community

Yes

Feb 2022

800-782-8332

https://www.statefarm.com/

The Cincinnati Insurance Company

Shelter in Place Community

Yes

Aug 2016

888-242-8811

https://www.cinfin.com/

California FAIR Plan

Firewise Community

Yes

May 2018 &

Jun 2011

800-339-4099

https://www.cfpnet.com/

Chubb Group 

         

Federal Insurance Company

Shelter in Place Community

Yes

Dec 2018

800-682-4822

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

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

https://www.usaa.com/

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]

 

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