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Does Home Insurance Cover Wildfires? How California Law Saves You Money with Wildfire Defense

  • Writer: Shawn Gardner
    Shawn Gardner
  • Apr 6
  • 3 min read


Does home insurance cover wildfires? Living in California comes with its share of natural beauty—and natural risks. Wildfires are a growing concern, but did you know that state law can help you lower your home insurance costs while protecting your property? Thanks to California Insurance Code Section 2644.9 (effective 2022), insurance companies are required to offer discounts for wildfire mitigation efforts, including upgrades like FireRoofs.com Wildfire Defense Sprinklers. Here’s what you need to know to safeguard your home and family—and your wallet—before the next fire season.


The Law: Discounts for Wildfire Mitigation

California’s “Safer from Wildfires” framework encourages homeowners to take proactive steps against wildfire damage. Under this regulation, insurers must provide premium reductions for measures like:

  • Class-A fire-rated roofs (the most fire-resistant rating)

  • Ember-resistant vents to block sneaky sparks

  • Exterior or roof sprinkler systems, like those from FireRoofs.com, to douse embers before they ignite

While the law doesn’t set exact discount amounts—leaving that up to individual insurers—companies like State Farm offer around 5% off for home mitigation efforts. Your savings can vary based on your location, risk level, and the specific upgrades you choose. Exterior sprinklers aren’t explicitly required for a discount but are recognized as an effective optional measure many insurers will credit.



Why FireRoofs.com Wildfire Defense Sprinklers?

At FireRoofs.com, we specialize in installing automated roof and exterior sprinkler systems that activate with fire-detecting sensors—giving your home a fighting chance even if you’re not there. These systems wet down your roof and surroundings, creating a protective barrier against embers and flames. Pairing this technology with California’s mandated discounts makes it a smart investment for both safety and savings.


How to Claim Your Discount

To qualify, you’ll need to:

  1. Call your Insurance Company and and Book your free Wildfire Sprinkler Evaluation

  2. Prove It: Provide your insurer with documentation of the sprinkler system (e.g., receipts or photos).

  3. Check Inspection Rules: Some insurers, like Farmers, may require an inspection (around $125 out-of-pocket) to verify the upgrade.

Since discounts vary by provider, it’s worth calling your insurance company to confirm your savings. In high-risk areas like Northern California, where wildfire threats and insurance costs are climbing, every dollar counts.


Why Act Now?

Wildfires don’t wait for an invitation. With FireRoofs.com Wildfire Defense Sprinklers, you’re not just checking a box for an insurance discount—you’re giving your home and family a real shot at surviving the next blaze. California’s law is designed to reward this kind of forward-thinking defense, especially as insurers pull back from fire-prone zones. Don’t wait until it’s too late—reach out to FireRoofs and your insurer today.


Top Home Insurance Providers in California

Ready to explore your discount options? Here’s contact info for some of the top home insurance providers in California:





  • USAA (for military families)

    Phone: 800-531-8722

    Website: www.usaa.com


Final Thoughts

California’s wildfire mitigation discounts are a win-win: you bolster your home’s defenses with solutions like FireRoofs.com Wildfire Defense Sprinklers, and you keep more money in your pocket. Contact FireRoofs at 831-705-0888 or visit FireRoofs.com to get started, then call your insurer to lock in your savings. Protect your home, your family, and your future—before the fire season heats up.

 
 
 

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