Discounts from Insurers
Discounts Available
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.
Chubb Group
| Insurance Company/Group | Discount Based on Community Mitigation | Discount Based on Property/Parcel Mitigation |
Discounts in Effect Since | Telephone Number | Website Address |
|---|---|---|---|---|---|
| Federal Insurance Company | Shelter in Place Community | Yes | Dec 2018 | 800-682-4822 | www.chubb.com/us-en |
| Pacific Indemnity Company | Shelter in Place Community | Yes | Dec 2018 | 800-682-4822 | www.chubb.com/us-en |
| Vigilant Insurance Company | Shelter in Place Community | Yes | Dec 2018 | 800-682-4822 | www.chubb.com/us-en |
USAA Group
| Insurance Company/Group | Discount Based on Community Mitigation |
Discount Based on Property/Parcel Mitigation | Discounts in Effect Since | Telephone Number | Website Address |
|---|---|---|---|---|---|
| Garrison Property and Casualty Insurance Company | Firewise Community | Oct 2014 | 210-531-8722 | www.usaa.com | |
| United Services Automobile Association | Firewise Community | Oct 2014 | 210-531-8722 | www.usaa.com | |
| USAA Casualty Insurance Company | Firewise Community | Oct 2014 | 210-531-8722 | www.usaa.com | |
| USAA General Indemnity Company | Firewise Community | Oct 2014 | 210-531-8722 | www.usaa.com |
Downloadable document
Click the button to download our pdf list of the insurers currently offering discounts for fire hardened homes and/or communities.
California Insurance Commissioner Ricardo Lara, California State Senator Marie Alvarado-Gil, South Lake Tahoe Fire Rescue (SLTFR) Chief Jim Drennan, SLTFR Battalion Chief/Fire Marshall Kim George and Al Tahoe Firewise Team Leader, Dianne Rees respond to public questions and concerns regarding Fire Insurance and Fire Safety in South Lake Tahoe on May 6, 2023, “Wildfire Preparedness Day,” hosted by the Al Tahoe Firewise District.
Insurance Discounts Reward Safety Efforts
The number of residential property insurance companies offering insurance discounts for fire-hardened homes and communities has increased. Click the button below to learn more.