{"id":2415,"date":"2026-10-30T12:00:00","date_gmt":"2026-10-30T12:00:00","guid":{"rendered":"https:\/\/www.rogersocalhomes.com\/blog\/2026\/10\/30\/wildfire-hardening-home-insurance-what-to-ask-117\/"},"modified":"2026-10-30T12:00:00","modified_gmt":"2026-10-30T12:00:00","slug":"wildfire-hardening-home-insurance-what-to-ask-117","status":"publish","type":"post","link":"https:\/\/www.rogersocalhomes.com\/blog\/2026\/10\/30\/wildfire-hardening-home-insurance-what-to-ask-117\/","title":{"rendered":"Wildfire Hardening &amp; Home Insurance: What to Ask"},"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\/roger-flowers\/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":345,"featured_media":2416,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-2415","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-latest-posts"],"_links":{"self":[{"href":"https:\/\/www.rogersocalhomes.com\/blog\/wp-json\/wp\/v2\/posts\/2415","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.rogersocalhomes.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.rogersocalhomes.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.rogersocalhomes.com\/blog\/wp-json\/wp\/v2\/users\/345"}],"replies":[{"embeddable":true,"href":"https:\/\/www.rogersocalhomes.com\/blog\/wp-json\/wp\/v2\/comments?post=2415"}],"version-history":[{"count":0,"href":"https:\/\/www.rogersocalhomes.com\/blog\/wp-json\/wp\/v2\/posts\/2415\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.rogersocalhomes.com\/blog\/wp-json\/wp\/v2\/media\/2416"}],"wp:attachment":[{"href":"https:\/\/www.rogersocalhomes.com\/blog\/wp-json\/wp\/v2\/media?parent=2415"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.rogersocalhomes.com\/blog\/wp-json\/wp\/v2\/categories?post=2415"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.rogersocalhomes.com\/blog\/wp-json\/wp\/v2\/tags?post=2415"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}