Wildfire risk is a part of life in Southern California. Over 2 million properties in California are estimated to have a high to extreme risk of wildfire.
You can help protect your home from wildfires by using fire-safe landscaping. Not only does a wildfire defensible space give you a beautiful home, but you also help reduce your risk of damage from fire.
Learn how using fire-resistant plants and landscaping could lower your risk of property damage in the event of a wildfire.
Firesafe landscaping is used to create a wildfire defensible space around your home. Defensible spaces are designed to form a buffer between your home and dangerous flames.
The good news is firesafe landscaping could provide the firebreak needed to limit damage to your property.
More fire-resistant landscaping plans use two to four zones. California law requires property owners to maintain a defensible space from your home out to 100 feet or the property line if under 100 feet. These initial 100 feet make up Zones 1 and 2.
Wildfire defense zones include:
You might be worried that fire-safe landscaping will hurt your property values. Luckily, there are lots of ways to introduce a wildfire defensible space using landscaping while also increasing curb appeal.
Follow these tips to get the most benefits out of your fire-resistant landscape design:
Creating a fire-safe landscape is just one way to help protect your home from wildfire. You should also make sure your homeowners insurance is up to date. Most homeowners policies cover fire, but you may need to take out additional coverage for high-value items, like jewelry or fine art. Talk with your Wawanesa agent today to make sure your homeowners policy is ready for wildfire season in Southern California.
Sources:
Insurance Information Institute: https://www.iii.org/fact-statistic/facts-statistics-wildfires
CAL Fire: https://www.readyforwildfire.org/more/fire-safety-laws/
Disclaimer: The above content is for informational purposes only and is not a direct representation of coverages offered by Wawanesa or its policies. The information does not refer to any specific contract of insurance and does not modify any definitions, provisions, exclusions or limitations expressly stated in any contracts of insurance. All references within the above content are illustrative and may not apply to your situation. The terms and conditions of the actual insurance policy or policies involved in a claim are determinative as to whether an accident or other loss is covered. To understand the coverage under your current policy, please log into the account management platform to review your policy or contact an agent directly.
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