Saving money where you can is never a bad idea, and insurance companies provide a number of ways you can save a significant amount of money on insurance. One of those ways is to save on homeowners and/or natural disaster insurance by taking steps to make your home less likely to be damaged in the event of a wildfire.

As summer heats up in Southern California, the landscape dries out and the tiniest spark could result in a devastating fire. A typical homeowners insurance policy won’t cover you in the event that your home is damaged by a wildfire, but natural disaster insurance will, and the cost can often be offset by taking precautions to make your home more fire-resistant. The following are some inexpensive things you can do to greatly reduce your risk of wildfire damage and possibly save some money on your natural disaster insurance:

  • Replace Your Vents – Install ember-proof vents on the outside of your home. They’ll keep out flames and embers that could otherwise ignite something on the interior of your home.
  • Keep Gutters Clear – A lot of homes in the area already come with fireproof tiles, but fires can still start if there’s flammable debris in your gutters.
  • Don’t Build Wooden Decks – If you’re wanting to build a deck outside your home, use brick, stone or concrete – not wood.
  • Replace Fences – If you have a wood fence surrounding your property, consider replacing it using ignition-resistant or non-combustible materials.

One of the best ways to save on your natural disaster insurance is to never have to file a claim in the first place, and by taking steps to harden your home against wildfire damage, you significantly reduce your risk of having to do so.

If you have any additional questions about natural disaster insurance, give Carol a call at 661-803-3803 or stop by InsuranceSCV.com for a FREE quote!