Wildfires are becoming more frequent and destructive, putting many homes at risk. If you live in a wildfire-prone area, having the right insurance can protect your property and give you peace of mind. In this article, we will explore how wildfire insurance works and how you can safeguard your home effectively.
Understanding Wildfire Insurance
Wildfire insurance is typically included in standard homeowners’ insurance policies under fire damage coverage. However, in high-risk areas, some insurers may exclude wildfires, requiring homeowners to purchase additional coverage.
What Does Wildfire Insurance Cover?
A good wildfire insurance policy should cover the following:
Dwelling Coverage – Pays for damages to your home’s structure.
Personal Property Coverage – Covers belongings like furniture, clothing, and electronics.
Additional Living Expenses (ALE) – Pays for temporary housing and living costs if your home becomes uninhabitable.
Debris Removal and Cleanup – Helps cover the cost of clearing debris after a wildfire.
What is Not Covered?
While wildfire insurance is comprehensive, it may not cover:
Damage due to negligence, such as failing to maintain fire-resistant landscaping.
Certain high-value items unless specifically listed in the policy.
How to Get Wildfire Insurance
1. Check Your Existing Policy
Review your homeowners’ insurance policy to see if wildfire damage is covered. If not, contact your insurer to discuss options.
2. Consider Supplemental Insurance
In high-risk areas, insurers may exclude wildfire coverage. If so, look for:
Fair Access to Insurance Requirements (FAIR) Plans – Government-backed programs available in some states.
Excess and Surplus Insurance – Private insurers offering wildfire-specific coverage.
3. Compare Policies
Shop around and compare different policies to find the best coverage at an affordable rate. Consider deductibles, coverage limits, and exclusions before choosing a policy.
Steps to Reduce Wildfire Risks
Insurance is essential, but prevention is just as important. Here are steps to minimize wildfire risks:
1. Create Defensible Space
Clear dry leaves and debris around your home.
Trim trees and bushes to prevent fire spread.
Use fire-resistant plants in landscaping.
2. Use Fire-Resistant Materials
Install fire-resistant roofing and siding.
Use tempered glass windows to reduce heat damage.
3. Prepare an Emergency Plan
Keep an emergency supply kit ready.
Know evacuation routes and have a communication plan.
