Skip to Main Content
Menu
Contact Us Search
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

 

X

Jul-2008

800-255-7828

https://www.allstate.com/

American Modern Home Insurance Company

Fire Wise Community

X

Nov-2018

800-543-2644

https://www.amig.com/

ASI Select Insurance Corp

Fire Wise Community

X

Feb-2021

866-274-8765

https://www.americanstrategic.com/

California Automobile Insurance Company

Fire Wise Community

X

Oct-2020

866-974-2910

https://www.mercuryinsurance.com/

Crestbrook Insurance Company

 

X

Feb-2014

877-669-6877

https://www.nationwide.com/

CSAA Insurance Exchange

X (CSAA approved)

X

Nov-2021

855-424-8639

https://calstate.aaa.com/insurance

Falls Lake Fire and Casualty

Fire Wise Community

X

Dec-2019

800-780-7454

https://www.fallslakeins.com/

Occidental Fire & Casualty Company of North Carolina

 

X

Aug-2013

800-481-0661

https://www.iatinsurancegroup.com/

State Farm General Insurance Company

Fire Wise Community

X

Feb-2022

800-782-8332

https://www.statefarm.com/

The Cincinnati Insurance Company

Shelter in Place Community

X

Aug-2016

888-242-8811

https://www.cinfin.com/

California FAIR Plan

Fire Wise Community

X

May-2018;

Jun-2011

800-339-4099

https://www.cfpnet.com/

Chubb Group [below]

         

Federal Insurance Company

Shelter in Place Community

X

Dec-2018

800-682-4822

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

Pacific Indemnity Company

Shelter in Place Community

X

Dec-2018

[same as above]

[same as above]

Vigilant Insurance Company

Shelter in Place Community

X

Dec-2018

[same as above]

[same as above]

USAA Group  [below]

         

Garrison Property and Casualty Insurance Company

Fire Wise Community

 

Oct-2014

210-531-8722

https://www.usaa.com/

United Services Automobile Association

Fire Wise Community

 

Oct-2014

[same as above]

[same as above]

USAA Casualty Insurance Company

Fire Wise Community

 

Oct-2014

[same as above]

[same as above]

USAA General Indemnity Company

 

Revised 08/17/22

Fire Wise Community

 

Oct-2014

[same as above]

[same as above]

 

Google Translate