Wildfire Insurance covers fire damage to property and equipment caused by wildfires, particularly in high-risk areas. Provides critical protection where traditional property insurance may exclude wildfire perils.
Wildfire Insurance
What Is Wildfire Insurance?
Wildfire Insurance covers property damage, debris removal, and some loss of income due to wildfire. In high-risk regions (like California and the western U.S.), many standard property policies now exclude or limit wildfire coverage — making dedicated wildfire protection critical.
Who Needs Wildfire Insurance?
As wildfires increase in severity and frequency, many insurers are scaling back coverage. If your property is in a designated brush zone or near forested areas, you may be uninsured or underinsured unless you secure specialty wildfire protection.
Common industries that often require Wildfire Insurance include:
- Businesses in western or southern U.S.
- Facilities near national parks or brush zones
- Wineries, agriculture, and hospitality properties
- Real estate portfolios in high fire hazard areas
What Does Wildfire Insurance Cover?
Wildfire Insurance typically covers:
- Fire damage to buildings and equipment
- Smoke and soot damage
- Cost of demolition and debris removal
- Emergency mitigation services
- Optional: Business interruption and extra expense
What Doesn’t Wildfire Insurance Cover?
While Wilfdire Insurance offers broad protection, it doesn’t cover:
- Earthquake, flood, or mudslide (unless endorsed)
- Arson or intentional acts
- Neglect in brush clearance or risk reduction
- Landscaping and outdoor property (unless specified)
How Much Does Wildfire Insurance Cost?
The cost of Wildfire Insurance varies based on factors like Property, Business, industry, location, and claims history.
Key Cost Factors:
- Brush score and fire line rating
- Proximity to fire stations
- Property value and construction materials
- Fire suppression and mitigation systems
Typical Cost Range:
- Low-to-moderate risk: $1,500–$5,000/year
- High-risk wildfire zones: $10,000–$50,000+/year
- Specialty high-value coverage: $100,000+/year
Risk Management Tips
To minimize potential claims:
- Create and maintain defensible space by clearing vegetation around the property perimeter.
- Use fire-resistant roofing and siding materials when possible.
- Store flammable chemicals or fuels in fireproof containers away from main structures.
- Keep gutters, vents, and rooftops free of debris to prevent ignition.
- Participate in local wildfire alert and evacuation programs.
- Develop a wildfire response plan including asset relocation and insurance contact info
Talk to An Expert
Our dedicated experts are ready to provide tailored insurance solutions to clients across a wide range of industries and specialized services.
Schedule a consultation to see how Alliance Risk can reduce your insurance risk.
– We look forward to partnering with you.