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California Wildfire Insurance

Keeping Home Insurance in California Fire Country

Carriers across California are non-renewing or re-pricing policies in High and Very High Fire Hazard Severity Zones. Homeowners are getting letters with little warning and short windows to respond.

EmberSafe hardens your existing home against ember intrusion and hands you a carrier-ready report that mirrors what the Safer from Wildfires program recognizes. The decision to renew or write a policy belongs to your carrier — our job is to produce the documentation they expect.

Call (805) 852-1940Free Risk Assessment

The Squeeze

Why your carrier is pulling back

Carrier losses in California wildfires have made fire-zone underwriting unprofitable for many insurers. The response has been quiet non-renewals, slower writing, and a tighter set of questions about the structure itself.

If you live in a Very High Fire Hazard Severity Zone, your home's vents, roof, gutters, eaves, and the five feet around your foundation are the specifics carriers want to see addressed — with photos and product listings, not adjectives.

We work with homeowners who are not moving and not rebuilding. We harden what is already there, and we produce the paperwork.

What Gets Recognized

What carriers and Safer from Wildfires look for

Five hardening pillars carry most of the weight under California's Safer from Wildfires framework. We install and document each one.

  • Ember-resistant vents

    Listed by the CAL FIRE OSFM and tested to ASTM E2886/E2912. The single highest-impact retrofit on most homes.

    See the install →

  • Class A fire-rated roofing

    The roof is where embers land first. A Class A assembly is a baseline carrier expectation in fire zones.

    See the install →

  • Enclosed eaves & soffit vents

    Open eaves funnel embers into the attic. Boxed-in eaves with listed vents close that pathway.

    See the install →

  • Non-combustible gutter guards

    Loaded gutters are an ember magnet. Metal guards prevent ignition at the roofline.

    See the install →

  • Zone 0 defensible space

    The first five feet around your home is the most important fuel-free zone. Carriers and Safer from Wildfires both look for it.

    See the install →

The Offer

The Wildfire Insurance Risk Assessment

A free, exterior-only assessment of your home scored against carrier and Safer from Wildfires criteria. We photograph each opening, score the structural conditions carriers ask about, and hand you a carrier-ready report.

The report covers ember-resistant vents, roof class, eave condition, gutter and Zone 0 status, and the listed-product specs for each recommended retrofit. It is yours — share it with your carrier, your broker, your HOA, or hold it for later.

Call (805) 852-1940Free Risk Assessment

FAIR Plan

The FAIR Plan, and how to get off it

California's FAIR Plan is the state-mandated insurer of last resort. It covers basic fire risk when standard carriers will not — typically at a higher premium and with thinner coverage than a standard homeowners policy.

Documented hardening may help you qualify for a standard policy again. Carriers writing in fire zones increasingly want to see listed vents, a Class A roof, and a hardened Zone 0 before they will quote. Decisions belong to the carrier; the documentation is what gets the conversation started.

How we work

  1. Inspection

    Exterior-only walkthrough. We photograph every vent, gutter line, fence segment, and the five feet around your foundation. No entry to your home required.

  2. Risk Report

    An EmberSafe Inspection Report flagging the openings most likely to fail in an ember storm, with photos, locations, and a prioritized retrofit plan.

  3. Plan & Permits

    We scope the work, pull required permits, and schedule around fire season.

  4. Retrofit

    Certified install. Vent assemblies, gutter guards, Zone 0 hardening — whatever your home needs, in the order that protects you fastest.

  5. Documentation

    Before/after photos, materials list, and an insurance-ready summary. Yours to share with whoever you choose.

BrandGuard Vents Certified Installer

A Manufacturer-Certified Install

Certified BrandGuard Vents Installer

EmberSafe Home is a certified installer of BrandGuard Vents — ember-resistant, fire-rated assemblies with a patented baffle that blocks windblown embers while preserving attic and crawlspace airflow. Certified installation means each vent is fitted to the manufacturer's spec, so the ember-resistance the product is tested for is the ember-resistance your home actually gets.

  • Listed by the CAL FIRE Office of the State Fire Marshal
  • Tested to ASTM E2886 (ember intrusion) and ASTM E2912 (flame)
  • WUI-rated assemblies for gable, soffit, eave, and foundation openings

We also install Vulcan and O'Hagin assemblies. We match the right listed product to each opening on your home.

Wildfire Insurance — Frequently Asked Questions.

How do I keep home insurance in a California fire zone?
Carriers want to see documented mitigation: ember-resistant vents, a Class A roof, enclosed eaves, gutter guards, and a cleared Zone 0 in the first five feet around the home. We perform the hardening work, photograph each step, and hand you a carrier-ready report that mirrors what the Safer from Wildfires program recognizes. The decision to renew or write a policy belongs to the carrier, but documented hardening is the conversation they expect to have.
Is there a wildfire mitigation insurance discount in California?
California's Safer from Wildfires framework directs insurers to recognize specific hardening actions when pricing or writing policies. Some carriers apply premium credits for documented mitigation; some use it to keep a home eligible for coverage at all. We can't promise a specific dollar discount — that's a carrier decision — but documented work is what unlocks the conversation.
What does the Safer from Wildfires program look for?
It centers on a set of hardening actions grouped into structure, immediate surroundings, and community. Highest-impact items: ember-resistant vents, a Class A roof, enclosed eaves, non-combustible gutters or gutter guards, and a hardened five-foot Zone 0 around the home. EmberSafe installs and documents each of these so they're recognized under the program.
What vent requirements does the California FAIR Plan expect?
Homes in High and Very High Fire Hazard Severity Zones are commonly asked for ember-resistant vents listed by the CAL FIRE Office of the State Fire Marshal and tested to ASTM E2886 (ember intrusion) and E2912 (flame). We are a certified BrandGuard Vents installer and document each opening so the assembly is fitted to spec.
Does home hardening lower my premium?
It may help you qualify for a standard policy, keep you off the FAIR Plan, or earn a mitigation credit — depending on the carrier and the specific work documented. We don't promise a discount. We produce the documentation carriers expect, in the format they expect, so the conversation can move forward.

Start with documentation.

Let's get your home EmberSafe™.

Free exterior risk assessment. No obligation. Serving Los Angeles, Orange, and Ventura Counties.

Call (805) 852-1940Free Risk Assessment