Economic Incentives

Second major insurer offers California homeowners discounts for reducing wildfire risk

Blog Post created by michelesteinberg Employee on Oct 13, 2020
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undefined Opens in new windowIn recognition of the value of wildfire risk reduction, including participation in NFPA’s Firewise USA Recognition Program, Mercury Insurance is the second major insurance company in recent years to offer discounts to its California customers who have taken steps to protect their homes.


Wildfire season in California has gotten progressively worse in recent years, lasting longer and growing in severity. It’s increasingly important for homeowners to actively reduce their wildfire risk to better protect their homes, families, and property.  


Mercury Insurance now offers wildfire mitigation discounts to California homeowners living in wildfire-prone regions. Homeowners who take one or more steps to harden their homes against wildfires or live in a community recognized by the National Fire Protection Association (NFPA) as a Firewise USA site will be eligible to receive discounts of up to 18%.  


“We’re in this together, which is why Mercury is engineering solutions to encourage proactive actions that better protect homeowners from wildfires,” said Jane Li, Mercury Insurance’s director of product management. “It’s important for homeowners in these areas to take proactive steps to help shield their property from fire, and it’s just as important for everyone in the community to work together to reduce their shared ignition risks, which could save them money and improve their insurance eligibility.”


Mercury joins auto and home insurer USAA in rewarding homeowners for their active participation in wildfire risk reduction via the Firewise USA Recognition Program. USAA began offering a homeowners insurance discount to its members in Firewise USA sites in California in 2014 and has expanded this program to 10 additional states over the years.


Mercury’s community-level discount is for homes that are located in an NFPA Firewise USA Recognition Program site, shelter-in-place community, or are part of a community with an active annual fuel mitigation program in place. To learn more about eligibility, get an online quote or speak to a Mercury agent