California's Safer from Wildfires rules require insurers to recognize wildfire mitigation in their rates, including living in a Firewise USA® site in good standing.
Home upgrades like a Class A roof and ember-resistant vents can count too.
Discounts and the proof required vary by insurer, and none of this guarantees coverage. Ask your insurer what you qualify for.
(California Department of Insurance: insurance.ca.gov, search "Safer from Wildfires")
On the California FAIR Plan? Your insurer may ask for Benbow's Firewise certificate.