Imagine this: smoke rolls in, roads close, and you’re scrambling to pack up valuables. What’s worse? Not knowing if your insurance will actually help.
Yes, fire season is here, and you need more than a go-bag. You need easy, proven coverage that works when it matters.
🔥 Wildfires: The New Normal
Even if you’re not in a “fire zone,” you’re not off the hook. Embers can travel miles, and power shutoffs, road closures, and smoke damage doesn’t care about ZIP codes.
Here’s what you should do now—for free.
🏠 If You Own or Rent a Home
Look at your policy like this:
- Replacement cost coverage is the easy, smart choice. It pays the full cost to rebuild—not some discounted version.
- Loss of use (aka Additional Living Expenses): This covers instant hotel stays, meals, and temporary housing if you’re forced out.
- Scheduled property: Got jewelry, collectibles, or high-end gear? Ask us if you need to add it separately. It’s easy.
Pro Tip: Take a 5-minute video walk-through of your stuff. Upload it to the cloud. It’s your secret weapon during a claim.
🏢 If You Run a Business
Wildfire prep for businesses isn’t optional. Here’s your new checklist:
- Business interruption insurance: Covers your lost revenue when you’re closed—even if flames don’t touch your building.
- Off-premises utility coverage: Pays if power or water is shut down.
- Code upgrade coverage: Pays if new building codes add extra costs to rebuild.
Yes, these are often missing from basic policies. Let’s fix that.
✅ The Easy, Free Way to Prep
- Call us for a free fire policy review—it’s quick.
- Store photos of your space and valuables in the cloud.
- Keep your insurer’s mobile app handy for instant access to documents and claims.
You can’t stop the smoke. But you can control what happens next.
