Home insurance readiness & California FAIR Plan | SecureHomeIQ

Prepare for an insurance review, anywhere in the U.S.

Complete the live 22-point Outside Checkup with homeowner observations and photos. Applicable points vary; this is not a professional inspection.

Save maintenance, upgrade documentation, photos, dates, invoices and receipts. The rule-based 50-state plus DC regional reference is dated 2026-10-07, not a live funding or carrier feed.

Generate your Insurance Renewal File and Discount Letter, then review them with a licensed agent, broker or insurance company. These tools do not provide quotes, certify compliance, guarantee discounts or arrange replacement coverage.

California FAIR Plan and coverage alternatives

The California FAIR Plan is a last-resort option offering basic, limited-peril coverage. Ask a licensed agent about coverage gaps, Difference in Conditions coverage and possible regular-market alternatives. The insurance company and underwriting review decide whether coverage is offered.

Do not cancel existing coverage until a replacement policy is confirmed effective.

Ten Safer from Wildfires actions described by CDI

Class A roof: Keep product and installation documentation for a Class A fire-rated roof covering.

Five-foot ember-resistant zone: Document cleared combustibles within five feet of the house, including where a fence connects to it.

Ember- and fire-resistant vents: Record vent products and photographs showing the measures used to resist ember entry.

Noncombustible lower wall: CDI describes six vertical inches of noncombustible material above the ground and attached horizontal surfaces such as decks.

Enclosed eaves: Photograph enclosed eaves and keep material or installation information.

Upgraded windows or shutters: Multi-pane glass or added shutters are among the measures CDI describes. Keep product documentation.

Clear under the deck: Photograph cleared vegetation, weeds and debris beneath decks.

Move combustible outbuildings: CDI describes keeping combustible sheds and similar structures at least 30 feet away. Ask a local professional what applies to your property and local law.

Defensible space: Document vegetation maintenance under applicable state and local rules.

Community participation: Keep documentation of recognized community participation, such as Firewise USA, when applicable. Confirm current requirements.

Questions for your licensed agent

Which mitigation actions do you recognize, and what documentation do you need from me?

Can you review my documentation for available credits or underwriting reconsideration?

Do photos, dated invoices and my Renewal File meet your documentation requirements?

If I am on the California FAIR Plan, what gaps exist, and would a Difference in Conditions policy fill them?

Are there regular-market alternatives I may qualify for now or after more work?

When would any change take effect, and what should I keep in place until then?

Discount amounts, documentation requirements, underwriting and coverage vary. Your insurance company decides eligibility; we build the evidence.