01/22/2026
Attention East County Residents:
Rewrite your California FAIR Plan with us and receive up to a 16.4% wildfire premium discount. These discounts may not be available with your current policy. You may qualify for individual discounts by meeting one or more of the criteria listed below.
Immediate Surroundings Discounts (Five Total Discounts) 1A
(1) Vegetation and debris have been cleared from under decks.
(2) Vegetation, debris, mulch, and other combustible materials have been cleared within 5 feet of the dwelling.
(3) The property has only noncombustible materials incorporated into any improvements to the property, including fences and gates, within 5 feet of the dwelling.
(4) Combustible sheds and other outbuildings are more than 30 feet from the dwelling or as far from the dwelling as possible within the area under the control of the applicant or policyholder.
(5) Trees surrounding the dwelling have been trimmed, brush and debris removed from the yard, and the property is in compliance with state and local ordinances regarding defensible space, such as California Public Resources Code Section 4291.
Structure Discounts (Five Total Discounts) 1B
(1) Has a Class-A Fire Rated Roof (meaning asphalt fiberglass composition shingles, stone, concrete or clay tile, or metal).
(2) Has enclosed eaves.
(3) Has ember and fire-resistant vents (approved wire mesh covering).
(4) Has upgraded windows (multi-paned) or functional shutters.
(5) Has 6 inches at the bottom of all exterior walls made of noncombustible material.
Satisfying both requirements (1A & 1B) earns a larger total percentage discount.
Photo by Marcus Kauffman
