Insurance Savings
IBHS designation discounts, premium reduction strategies, and FAIR Plan alternatives.
3 articles
·5 min read
FAIR Plan Enrollment Is Up 22% — Here's What That Means for Your Coverage
California's FAIR Plan — the insurer of last resort for wildfire-zone homes — has seen enrollment surge by roughly 22% year over year. What this means for premiums, coverage quality, and your path back to the voluntary market.
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How IBHS Fortified Designation Cuts Your Insurance Premium
The IBHS Fortified program offers three tiers of home hardening certification — Bronze, Silver, and Gold — each unlocking progressively larger insurance discounts. Here is how the program works and which insurers participate.
Read more →·11 min
What Determines Your Wildfire Insurance Premium in 2026 — and How to Lower It
Your wildfire insurance premium is not a black box. Here are the exact factors insurers use to price your policy, which ones you can control, and how home hardening translates to real dollar savings.
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