{"id":163,"date":"2026-11-07T10:00:00","date_gmt":"2026-11-07T10:00:00","guid":{"rendered":"https:\/\/www.desertlist.com\/blog\/?p=163"},"modified":"2026-11-07T10:00:00","modified_gmt":"2026-11-07T10:00:00","slug":"california-homeowner-cuts-fire-insurance-costs","status":"publish","type":"post","link":"https:\/\/www.desertlist.com\/blog\/2026\/11\/07\/california-homeowner-cuts-fire-insurance-costs\/","title":{"rendered":"California Homeowner Cuts Fire Insurance Costs"},"content":{"rendered":"<div class=\"video-zmyer\">\n<div class=\"video-frame-zmyer\">\n        <iframe loading=\"lazy\" width=\"640\" height=\"640\" src=\"https:\/\/www.roomvu.com\/agent\/embed\/arturo-duran\/west-marin-insurance-remotion-videos-1f7b\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture\" allowfullscreen><br \/>\n        <\/iframe>\n    <\/div>\n<div class=\"video-description-zmyer\">\n<p>In California, wildfire hardening helped some owners move beyond the state&#039;s insurer of last resort, showing mitigation can improve access to conventional coverage.<br \/>\nA state pilot offered qualifying households free assistance and up to $40K for approved measures, while financing efforts aimed to make mitigation more affordable.<br \/>\nOne credit union prepared unsecured loans up to $25K on 5-to-7-yr terms near 7%, with potential support lowering costs to ~4% for owners.<br \/>\nConsumer advocates saw more relief as major insurers reopened business, another eased agent restrictions, and one carrier rewarded wildfire preparedness certification statewide.<br \/>\nLooking ahead, one major carrier planned &gt;38K added California policies long term, while the state&#039;s insurer of last resort scheduled a ~29% avg. hike.<\/p>\n<\/p><\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>In California, wildfire hardening helped some owners move beyond the state&#039;s insurer of last resort, showing mitigation can improve access to conventional coverage. A state pilot offered qualifying households free assistance and up to $40K for approved measures, while financing efforts aimed to make mitigation more affordable. One credit union prepared unsecured loans up to [&hellip;]<\/p>\n","protected":false},"author":113,"featured_media":164,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-163","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-latest-posts"],"_links":{"self":[{"href":"https:\/\/www.desertlist.com\/blog\/wp-json\/wp\/v2\/posts\/163","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.desertlist.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.desertlist.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.desertlist.com\/blog\/wp-json\/wp\/v2\/users\/113"}],"replies":[{"embeddable":true,"href":"https:\/\/www.desertlist.com\/blog\/wp-json\/wp\/v2\/comments?post=163"}],"version-history":[{"count":1,"href":"https:\/\/www.desertlist.com\/blog\/wp-json\/wp\/v2\/posts\/163\/revisions"}],"predecessor-version":[{"id":165,"href":"https:\/\/www.desertlist.com\/blog\/wp-json\/wp\/v2\/posts\/163\/revisions\/165"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.desertlist.com\/blog\/wp-json\/wp\/v2\/media\/164"}],"wp:attachment":[{"href":"https:\/\/www.desertlist.com\/blog\/wp-json\/wp\/v2\/media?parent=163"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.desertlist.com\/blog\/wp-json\/wp\/v2\/categories?post=163"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.desertlist.com\/blog\/wp-json\/wp\/v2\/tags?post=163"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}