Wildfires are becoming increasingly common, especially in states like California where dry conditions and high winds create the perfect environment for flames to spread. As a homeowner, taking steps to prepare for wildfire season isn’t just about protecting your home—it’s also about making sure you're covered if the worst happens. Having the right insurance in place can make a world of difference when disaster strikes.

Here’s a practical guide on how to prepare for wildfire season and make sure your insurance policy has you fully protected.

1. Understand Your Wildfire Risk

Start by assessing the wildfire risk in your area. Local fire departments, state forestry websites, or tools like Cal Fire’s Fire Hazard Severity Zone Map can help you determine how vulnerable your home is. If you live in a high-risk area, you'll want to take extra precautions and confirm your insurance policy is robust enough to handle wildfire-related claims.

2. Review Your Home Insurance Policy

Too many homeowners assume they're covered, only to find out—too late—that their policy lacks wildfire protection. Take the time to carefully review your homeowner insurance policy to ensure it includes:

• Coverage for fire and smoke damage

• Rebuilding and repair costs

• Personal property protection

• Living expenses if you’re displaced from your home

Some insurers now offer separate wildfire coverage, so it’s worth checking if your current plan is comprehensive enough for your area.

3. Create a Defensible Space Around Your Property

Creating a defensible space can significantly reduce the chance of your home catching fire. This includes:

• Clearing dead vegetation, dry leaves, and pine needles from your yard

• Trimming branches at least 10 feet away from your chimney

• Removing anything flammable within 30 feet of your home (e.g., woodpiles, propane tanks)

Doing this not only improves your safety but may also help lower your insurance premiums.

4. Prepare a Home Inventory

In the event of a wildfire, having a detailed home inventory can help speed up the insurance claims process. List all valuable items in your home, including electronics, appliances, furniture, jewelry, and other possessions. Include photos or videos, and keep digital backups stored in the cloud or on a secure device.

5. Know What to Do During Evacuation Orders

Wildfires can spread quickly, and evacuation orders may come with little warning. Be ready by:

• Preparing a go-bag with essentials: ID, medications, cash, important documents, clothes, and water

• Planning multiple evacuation routes

• Registering with your county’s emergency alert system

Ensuring your wildfire season insurance policy includes coverage for temporary lodging and living expenses can give you peace of mind during uncertain times.

6. Consider Additional Insurance Options

If you’re a landlord or operate a business from your property, you may also need general liability insurance. This type of coverage protects you from claims involving third-party injuries or property damage, which could occur if your property contributes to fire spread or damages neighboring structures.

You can explore broader protection options through reputable providers who specialize in California insurance solutions for individuals and businesses. For example, services like those found here can offer tailored policies that meet your unique needs during wildfire season.

7. Stay Proactive with Annual Checkups

Wildfire season isn't a one-time concern—it's a recurring threat. Set a reminder to revisit your insurance policies and safety measures at least once a year, preferably before the start of the dry season. If you're making home upgrades (like installing fire-resistant roofing or double-pane windows), inform your insurer. These changes could qualify you for policy discounts.

Final Thoughts

Preparing for wildfire season is a critical part of responsible homeownership. While you can’t control nature, you can control how well-prepared you are when it strikes. Keep your emergency plans updated, your property well-maintained, and your wildfire season insurance policy active and comprehensive.

Don’t wait until it’s too late—review your homeowner insurance policy and talk to an insurance expert today to ensure your coverage is as fire-ready as your home.

Need help customizing your wildfire coverage? Reach out to trusted insurance providers that understand the risks unique to your area and can help keep your home safe and insured—before the next spark ignites.