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Preparedness · Authority Guide

Wildfire Preparedness for Western Households

Wildfire preparedness is more about defensible space and evacuation readiness than insurance — coverage often follows readiness.

In this guide

  1. 1 · Executive summary
  2. 2 · Key takeaways
  3. 3 · Key strategies
  4. 4 · Pro-tips checklist
  5. 5 · FAQ
  6. 6 · Related guides & tools

Executive summary

Wildfire preparedness is more about defensible space and evacuation readiness than insurance — coverage often follows readiness.

  • 100 ft defensible space (where allowed)
  • Ember-resistant vents and gutters
  • Evacuation bag + pet supplies

Key takeaways

  • 100 ft defensible space (where allowed)
  • Ember-resistant vents and gutters
  • Evacuation bag + pet supplies
  • Vehicle pointed out of garage

Key strategies

  1. Strategy 1

    100 ft defensible space (where allowed)

  2. Strategy 2

    Ember-resistant vents and gutters

  3. Strategy 3

    Evacuation bag + pet supplies

  4. Strategy 4

    Vehicle pointed out of garage

Pro-tips checklist

  • Photograph home + valuables annually
  • Confirm carrier still writes in your ZIP

FAQ

What if my insurer drops me?

Use a FAIR Plan or specialty carrier — but supplement with separate liability.