Safer from Wildfires Insurance Discount
California Department of Insurance (regulation), individual insurers (apply discount)
What you get
5–20% off home insurance premium
Discount % varies by insurer. Verified across major CA carriers in reference_wildfire_insurance_programs.md.
Current status
Always-on. Earned through verified mitigation work; no application portal. Homeowner submits proof to their carrier at renewal.
Who qualifies
- Geography
- CA · all California counties
- Income
- No income limit
- Property
- single family, condo, manufactured, townhouse
What work qualifies
- Class A fire-rated roof
- Ember-resistant vents
- Zone 0 vegetation clearing (first 5 ft)
- Enclosed eaves
- Dual-pane tempered windows
- Ember-resistant fencing
- Fence-to-house break
- Fire-resistant siding
· DIY work allowed
Other rules: Requires active policy with an admitted CA insurer or the FAIR Plan.
How to apply
- 01Confirm your home meets the eligibility above.
- 02Complete the qualifying work (or document existing work if it already meets the spec).
- 03Submit to California Department of Insurance (regulation) with photos, contractor invoices, and any required forms.
How RF1 helps
We document the work and submit your discount request to your carrier.
Most homeowners qualify on paper but never claim — hiring the crew, capturing the work to spec, and crafting the submission stops them. We run end-to-end home hardening with vetted installers, document every install for each program's filing, and stack every claim into one project.